On your own
Boost your buying budget without a loved one’s help.
Guarantor Mortgages
Boost your buying budget with the help of family or friends.
Remortgage
Release equity, borrow more or access better rates.
Part Buy, Part Rent
Buy a share of a home and pay rent on the rest.
Standard Mortgage
Buy a home with a repayment mortgage
5.5x Income
Increased borrowing for first-time buyers
Professional Mortgage
Increased borrowing for professionals
Dynamic Ownership
Co-buy with friends or siblings
Deposit Unlock
Buy a new-build home with a 5% deposit
Armed Forces Help To Buy
Borrow up to £25,000 as an interest-free loan
Skipton Track Record Mortgage
Use your track record of paying rent to get a 100% mortgage
We make home happen, against the odds.
We’re a multi-award winning digital mortgage broker, trusted by thousands of buyers and remortgagers to help them overcome the growing affordability gap.
WE’VE BOOSTED BUDGETS BY
£ 1 0 , 7 0 2 , 0 8 1
80%
of our customers have been turned away previously
£82,000
average boost to affordability
8 days
average time to mortgage offer
Mortgages need a revamp
The affordability gap is getting worse
House prices have increased by over 227% since the ‘70s. Yet, wages have stagnated, the cost of living and renting is rising, and lender criteria is getting stricter. The average home in the UK now costs 10x income, pushing homeownership out of reach for the next generation.
House prices
65x higher
in 2021 vs 1970
Wages
36x higher
in 2021 vs 1970
On average, it takes
10 years
to save for a house
Mortgage advice is outdated
There is so much innovation in the mortgage space, but understanding what’s out there is difficult for both customers and brokers. Our award-winning tech overcomes this problem, helping you understand what options are available to you, and all the ways you could boost your affordability.
+20,000
Mortgage products we advise on
+100
Lenders on our panel
+15
Alternative ways to get on the ladder
Wealth gap between generations is growing
Millennials are the first generation in history to be worse off than their parents. Thanks to increasing house prices, inheritance and final salary pension schemes, Boomers have accumulated the vast majority of the UK’s wealth, while financial insecurity has hit the younger generation the hardest. With more than a quarter of first time buyers delaying important life events to own their own home first, homeownership means more than painting the walls your favourite colour.
75%
property wealth owned by over 55s
1 in 5
delaying kids to afford a house
83%
of homeowners feel it’s harder now to buy a home
“Our experience of Tembo has been amazing! Their website is so easy to use, we were able to set up our initial appointments within a couple of days, and everyone we have spoken to has been so helpful, friendly and knowledgeable.”
Jo Pohl
Income Booster
The values that power our mission
It’s all about people
Tembo is a fintech, but not a faceless void of bots and automations. We know that we're stronger when people and tech work together to build a company that can achieve the impossible.
Find a way
We leave no stone unturned in our search for solutions. Whether it’s helping someone buy their first home against the odds, or building market-defining tech, we aren’t phased by big challenges.
Don’t like it? Change it
We believe innovation, bold thinking & radical ideas can change the way we do things. For too long, those with less have got the short end of the stick when it comes to finance. We didn’t like that, so we’re changing it.
We’re funded by and partnered with some of the biggest names in finance
Curious to know more?
