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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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Help your loved one buy a home with Tembo

Tembo specialises in a range of guarantor mortgages and specialist lending products. If your loved one is struggling to make their first steps onto the ladder, book a call with one of our award winning team to learn more about our products and how they could help.

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British Bank awards 2023 Best Mortgage Broker winner

The average age of a first time buyer in the UK is 34.

Due to rising property prices and stagnating wages, younger people have been struggling to save a big enough deposit or meet affordability requirements to get onto the property ladder. By either adding a family member's income to a buyer's mortgage application or releasing some equity that has built up in an existing property, you can help your loved ones make their first steps to homeownership, without having to gift cash.

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Regulated by the FCA. Rated excellent on Trustpilot. Voted the UK's Best Mortgage Broker.

Just a few reasons why you should use Tembo.

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We're directly authorised by the FCA

We are authorised by the FCA, and also benefit from third party oversight. You and your loved one are in safe hands with our in house compliance team.

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We're rated 5 stars on Trustpilot

Our customers absolutely love us, and it shows in our reviews. We are rated excellent on Trustpilot - a testament to our teams clear communication and hard work.

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We're the UK's Best Mortgage Broker

Our customers voted us the UK's Best Mortgage Broker at the 2022 British Bank Awards. Oh, and we were also voted Best Newcomer too.

Just some of the things our customers have been saying about us...

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Live interest rates

We have access to over 100 lenders, so we can find your loved one the best deal going.

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We advise on specialist family mortgages

Our brokers can advise you and your loved one on a range of different products that are designed to boost a buyer's budget.

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Our specialist mortgages

  • Income Boost

    Otherwise known as a Joint Borrower Sole Proprietor mortgage, an Income Boost is a way to increase the amount a buyer can borrow. This means that the buyer is more likely to be affordable for the property they want to buy. The Booster will not be named on the deeds of the property, but will be jointly liable for the mortgage repayments. If the buyer is unable to make one of the monthly payments, the Booster would have to step in.

  • Deposit Boost

    This service involves two separate mortgages. The first is a mortgage taken out by the Booster on their property. The proceeds are then gifted to the buyer to put towards their house deposit. The second is a mortgage needed for the buyers home. With a Retirement Interest Only mortgage, payments for the Booster can start at £50 to gift the buyer £10,000. The Booster will need to have either paid off their mortgage in full, or have at least 60% remaining.

  • Guarantor Mortgages

    We also advise on traditional guarantor mortgages. You can support your loved one's mortgage application by using your savings or property as security against the mortgage. This means that the buyer can afford a larger mortgage than they could by themselves. It's important to bear in mind if the buyer misses mortgage payments, the lender may hold onto the Booster's savings for longer, or force the Booster to sell their property.

Why become a Booster?

Our CEO Richard Dana explains the benefits of acting as a Booster.

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Take a detailed look at how you could help support your loved one onto the ladder

Make a plan and our technology will generate you details of what your loved one could afford with your support. The plan will also generate monthly repayments and indicative interest rates. From there you can book a call with one of our team to discuss further.

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