NEW! Tembo has acquired Lifetime ISA provider Nude 🚀

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LIFETIME ISA

Boost your deposit by £1,000 a year

Open a Lifetime ISA today. Save up to £4,000 each year towards your house deposit and you’ll get a 25% government bonus, tax free.

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NEW: long-term fixed rate

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

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LoginGet a 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.

British Bank awards 2023 Best Mortgage Broker winner
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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

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Mortgage advice is outdated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

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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

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“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

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The values that power our mission

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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.

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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.

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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

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Curious to know more?

Meet the team
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