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Fix your interest rate for up to 40-years and increase your borrowing to 6x income. Rates from 5.69%

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Save with the market-leading rate

Open a Cash Lifetime ISA today and earn 4.30% AER (variable) interest on your savings. Over 5-years, that’s hundreds more in your pocket than with the closest market competitor.


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By your side from the first £1 saved to your new home

Tembo is a multi-award winning savings & mortgage platform, making home happen against the odds. Trusted by thousands to help them to save and get onto the ladder sooner, stay on it or move up it.

British Bank awards 2023 Best Mortgage Broker winner


£ 2,026,277,624


average boost to affordability


of our customers have been turned away previously

8 days

average time to mortgage offer

Buying a home has never been harder

The affordability gap is getting worse

House prices have increased by over 200% since 2000. 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


since 2000

Homeownership makes you

£200K richer

over 20 years vs renting

On average, it takes

10 years

to save for a house


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.


property wealth owned by over 55s

1 in 5

delaying kids to afford a house


of homeowners feel it’s harder now to buy a home


Mortgage advice is outdated

There is so much innovation in savings and mortgages, but understanding what’s out there is difficult for both customers and brokers. Our award-winning app and online fact find overcome this problem, helping you save faster, understand what mortgage options are available to you, and discover all the ways you could boost your affordability.


Mortgage products we advise on


Lenders on our panel


Alternative ways to get on the ladder


How we're changing things


Save faster

Our award-winning Lifetime ISA offers a 25% government bonus on deposit savings, and the best available rate on the market (excluding introductory periods). Plus, the app is packed with features that can reduce your time to buy.


Boost your affordability

We help you find alternative solutions where other brokers can’t. Our award-winning technology enables you to discover your true affordability, increasing our average user’s budget by £82,000.


Make home happen

Once you’re ready to buy or remortgage, your dedicated mortgage team will be with you from hello, all the way to move in day or switching onto your new deal. It’s why our customers have voted us the UK’s Best Mortgage Broker at the British Banking Awards two years running.

“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 folks behind it all

We're a proud team of +40 and growing, united in our mission to help people get on the ladder, stay on it or move up it.

Meet the whole team

Tembo's founding team

Here's some of the people that have been making the Tembo magic happen right from the get-go.

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?

Meet the team