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Increase your buying budget by £64,000 with Tembo

Whether you're a first-time buyer or looking to remortgage, the affordability gap has never been larger. We're an award-winning team who specialise in increasing budgets using a range of specialist mortgages. So don't struggle alone, try Tembo

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See how much you can borrow using Tembo

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Expert advice, from people that care.

Whether you're trying to remortgage with reduced affordability or buy your first home, get expert advice from our award-winning team to help you navigate a changing market.

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We're on a mission to help more people become homeowners

Because we believe everyone deserves a place to call home.

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Buying a home is harder than ever

Tembo is championing a new and fairer way - helping a new generation of buyers get a foot on the ladder or buy their next home with the support of their loved ones.

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Increase the amount you can borrow

No deposit saved? Failing affordability? Up your maximum borrowing with your family's help with an Income or Deposit Boost mortgage, or through an equity loan.

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Get a mortgage for your dream home

Create a Tembo plan to discover how much you can borrow & get a mortgage in principle. Our expert team advise on 90+ lenders to get you a great deal.

Income Boost

An Income Boost Mortgage is a way of allocating some or all of a family member or friend's income to a mortgage to boost the buyer's borrowing potential.

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INCOME BOOST
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With an Income Boost, you could buy that property worth £180,000

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An Income Boost allows you to add your booster’s income of £40,000 to your own to increase your borrowing.

Loan amount

£160,000

Product fee

£1,800

Interest rate

3.1%

Monthly payment

£614

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What is it?

Otherwise known as a Joint Borrower Sole Proprietor (JBSP) mortgage, an Income Boost allows you to add some or all of a family member or friend's income to your mortgage.

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Why use an Income Boost?

Lenders typically let you borrow between 4-5x your income, which is often not enough to buy the home you want. Our average Boost users have increased their buying budget by £64,000.

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What’s the impact on a Booster?

They are jointly responsible for the mortgage & liable to support mortgage payments if you were unable to pay. However they aren't listed on the deeds, so there's no stamp duty liability.

DEPOSIT BOOST

With a Deposit Boost, you could buy that property worth £180,000

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A Deposit Boost is two seperate mortgages. 1 mortgage for you, and 1 remortgage for a family members property.

BUYER’S MORTGAGE

Loan amount

£138,500

Product fee

£1,559

Interest rate

1.2%

Monthly payment

£413

BOOSTER’S REMORTGAGE

Loan amount

£41,500

Product fee

£0

Interest rate

2.59%

Monthly payment

£51

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Deposit Boost

A Deposit Boost is a safe & ethical way to release money from a friend or family members property to top up an existing house deposit or create one from scratch.

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What is it?

A Deposit Boost is a remortgage taken out by a family member or friend on their property to release money. The proceeds are then gifted to the buyer to put towards their deposit.

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Why use a Deposit Boost?

By increasing your deposit, you could buy your home sooner, fill an affordability gap and access lower interest rates. On average, it saved our users £14,000 in interest over a 5-year term.

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What’s the impact on a Booster?

As the Deposit Boost is in the Booster's name, they are responsible for the mortgage payments, although these are typically much lower than a purchase mortgage as they are borrowing less.

Check out today's interest rates

The mortgage landscape is changing quickly. Discover live interest rates from a panel of over 100 lenders.

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Why choose Tembo?

What's so special about Tembo? We'll tell you in five reasons.

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How do I get started?

How to get a mortgage with Tembo in 6 simple steps

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With an Income Boost, you could borrow up to £173,000 That means with Tembo, you could aim for a home worth £183,000.

Take a look under the hood

With an Deposit Boost, you could borrow up to £323,000 That means with Tembo, you could aim for a home worth £333,000.

Take a look under the hood

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Chat to an expert

Complete our short form to get an estimate of how much you could borrow. If we can help, you'll be able to book a free, no obligation call with one of our CeMAP qualified advisors.

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Join over 20,000 happy home buyers

Thousands of first-time buyers and movers have used Tembo to discover how they could buy their dream home.

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“Highly recommend Tembo! As a first-time buyer they made our experience very easy and worked super fast around the clock to answer and help us through the mortgage process! Would be lost without them...”

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Bibinaz

First-time buyer

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Want to learn more about Tembo's products?

Download our Booster guide to get into the nitty gritty of how your family member could help you buy your dream home.

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Got unanswered questions about Tembo?

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