Why do I need a mortgage broker?

As a specialist mortgage broker, we work with over 100 lenders and schemes, giving us access to thousands of mortgage products. This means we can find all the schemes you're eligible for and how much they could boost your budget by in an instant - saving you time, effort and money. Your dedicated mortgage broker will then walk you every step of your homebuying journey, right up to getting the keys to your new home.

How much does a mortgage broker cost?

At Tembo, we pride ourselves on the service we give to our customers. Regardless of how complex your situation is, we aim to deliver an award-winning experience. Because of this, we usually charge a fee for our mortgage advice. Crucially, you will never pay for advice alone. The fee is only payable once you have a mortgage offer from a lender.

What is a whole-of-market mortgage broker?

A whole-of-market broker searches deals from across the mortgage market rather than from a fixed panel of lenders. That means you're compared against more options - with Tembo, this includes specialist schemes that don't appear on typical mortgage comparison sites. Not all brokers advertised as 'independent' are whole-of-market, so it's worth asking!

How long does it take to get a mortgage through Tembo?

Tembo's average time from application to mortgage offer is just 10 days. After your initial call, your dedicated mortgage advisor is by your side through your mortgage application, including finding the best mortgage deal for you from across the market. Your case manager then handles your application through to completion, keeping you updated at every stage.

Is Tembo FCA regulated?

Yes! Tembo Money Limited is authorised and regulated by the Financial Conduct Authority (FCA). For mortgages, Tembo Money Limited is authorised and regulated under registration number 952652. Tembo Savings Limited is authorised and regulated separately for our savings products under registration number 928010 (and as an account information service provider under 913654).

How much can Tembo increase my buying budget by?

On average, Tembo customers increase their buying budget by £82,000. This comes from our access to over 100 lenders, as well as specialist schemes such as guarantor mortgages, shared ownership and key worker mortgages. Your actual figure depends on your income, deposit and circumstances.

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Access 100+ lenders, including the UK's biggest banks

Save smarter and find your next mortgage with the UK's Best Mortgage Broker.

We've helped thousands save smarter and discover their best mortgage options, increasing budgets by £82,000 on average.

Market-leading savings products

Whole-of-market access to +100 lenders

Same-day appointments available

Mortgage in Principle in minutes

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Best Mortgage Broker 5 years running

Access to 100+ lenders

Rated 4.8/5 on Trustpilot

Best Mortgage Broker 5 years running

Access to 100+ lenders

Rated 4.8/5 on Trustpilot

Everything you need to buy a home or remortgage, in one app

Set savings goals and track your progress effortlessly
Get a simple personalised homebuying plan that breaks the journey into clear steps
Add your mortgage from any lender to get timely remortgage reminders
Expert support when it’s time to secure the best deal.

Why use Tembo?

Olivia, you’ve got 7 options to buy that home worth

£300,000

We search over 100 lenders & 25 schemes to find you the best deal

Most comparison sites show standard mortgage products. We combine expert mortgage advice with our proprietary technology to uncover all the ways you could buy or remortgage, increasing budgets by an average of £82,000 versus “standard” mortgage calculators.

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Specialist First-time buyer schemes

First-time buyer mortgage

Low deposit, low affordability, solo buyers

Enhanced affordability and lower rates for first-time buyers

utilises COMPLEX self-employed income

Self employed mortgage

Self-employed or complex income

Options for sole traders, contractors & company directors that only need one year’s accounts.

New home mortgages & schemes

New-build mortgage

Low deposit, low affordability, solo buyers

Lower deposit requirements and better rates for new build homes

family supported mortgages

Guarantor mortgages

Low affordability

Using guarantor income, savings or property to boost borrowing

Switch to a new deal

Remortgage

Employment & Income

Best rates from over 20,000 products and 100+ lenders

Part buy part rent

Shared Ownership

Low affordability

Increase your budget with the government's shared ownership scheme

Specialist speedy mortgages

Fast-track mortgage

Low deposit, low affordability, solo buyers

Lenders offering digital valuations or income verification to secure you a quick mortgage offer.

Trusted by thousands to make home happen

Navigating the world of mortgages can feel overwhelming. We simplify the process and cut through the jargon to make your mortgage journey as seamless as possible. Helping you discover the best options for you, including ways you could boost your budget, with plain-speaking guidance throughout. It's why we've been voted Best Mortgage Broker five years running.

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