Tembo

Make home happen with Tembo

Buying your first home is exciting, but getting a mortgage can sometimes feel like the biggest hurdle, especially when house prices, deposits and affordability don’t quite add up.

That’s where Tembo can help.

Tembo is an award-winning mortgage broker specialising in helping people overcome affordability challenges and find a route towards homeownership. Whether you’re buying your first home, purchasing through Shared Ownership or exploring what’s possible, our expert team can help you understand your options and find a mortgage that fits your circumstances.

Mortgage advice that looks beyond the obvious

A standard mortgage calculator doesn’t always tell the full story. Your income, deposit, family circumstances, employment situation and the type of property you’re buying can all affect how much you could borrow and which mortgages may be available to you.

At Tembo, we look at your individual circumstances and search across 100+ lenders and 20,000+ mortgage products to help find suitable options.

We’ll also explore specialist mortgage schemes that could help increase your buying power, including Shared Ownership, family-supported mortgages, low-deposit mortgages and other affordability solutions.

These schemes boost our average customer’s buying budget by £82,000. Best of all, you can discover all of these in under 10 minutes, just by completing a short fact find.

Not quite ready yet?

If you’re not quite ready to buy, there are still ways to make progress towards your homeownership goals. Tembo’s savings accounts can help you build your deposit while making the most of your money.

With Tembo’s Lifetime ISA, you can save up to £4,000 a year and receive a 25% government bonus on your contributions*, while the HomeSaver Cash ISA offers a tax-efficient way to grow your savings with a market-leading interest rate. Plus, when you’re a Tembo savings customer, you’ll unlock fee-free mortgage advice when you’re ready to buy. Whether you’re building your first deposit or saving for your next move, Tembo can help you get closer to making home happen. T&C’s apply*. To learn more, visit our Lifetime ISA page.

Support for a wide range of buyers

Every buyer’s circumstances are different. You may be a first time buyer with a smaller deposit, self-employed, buying on a single income, purchasing a new-build property or dealing with more complex income.

Tembo can help explore options for a wide range of circumstances, including:

● First time buyer mortgages.

● Shared Ownership mortgages.

● Low-deposit mortgages.

● Family-supported and guarantor mortgages.

● Self-employed and complex-income mortgages.

● New-build mortgages.

● Buy-to-let mortgages.

● Specialist mortgage solutions.

If your situation doesn’t fit neatly into a standard mortgage calculator, there may still be options available. Our advisers can look at the bigger picture and explain the options available to you.

Expert support from application to completion

Getting a mortgage isn’t just about finding a rate. Once you’ve found a property, there are forms to complete, documents to provide and a mortgage application to manage.

That’s why you’ll have support from a dedicated mortgage advisor and case manager throughout your journey. Your advisor will help you understand your mortgage options and recommend a suitable route based on your circumstances, while your case manager will help keep your application moving and guide you through to completion.

You can also choose to use Tembo One, our all-in-one home-buying solution that brings your mortgage, legal work and survey together in one place, helping to make the process simpler and more seamless. T&Cs apply.

We know that buying a home can be stressful, so we’re here to answer your questions and help you understand what’s happening at every stage.

Why choose Tembo?

Tembo has been voted Best Mortgage Broker at the British Bank Awards five years running, reflecting our focus on helping customers navigate the mortgage process.

We search across 100+ lenders and 20,000+ mortgage products, giving you access to a broad range of options rather than being limited to one lender.

Whether you know exactly what type of mortgage you want, or you’re not sure where to start, we’ll help you work through your options.

Ready to explore your mortgage options?

If you’re considering buying a home through Shared Ownership, or you’re simply trying to work out whether you can afford to buy, Tembo can help.

Start by getting your personalised mortgage recommendation. It takes less than 10 minutes and doesn’t involve a credit check. From there, you can speak to one of our mortgage experts and explore the options available to you.

Your route onto the property ladder might not look the same as someone else’s, and that’s okay.

Let’s make home happen.

*Withdrawals from a Lifetime ISA for any purpose other than buying a first home (up to a value of £450,000) or for retirement (60+) incur a 25% government penalty, meaning you may get back less than you paid in. Age 18–39 to open; account must be open 12+ months before purchasing a first home worth up to £450k. 5.5% AER (Variable) including conditional bonuses: Comprising a 2.8% AER variable base rate, a conditional 1-year 2.7% AER (Fixed) HomeSaver bonus payable after 12 months if you complete a mortgage through Tembo Money Limited within 3 years. Account must remain open until bonus is paid. One HomeSaver bonus payable per mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP MORTGAGE REPAYMENTS. Tembo Money Limited is authorised and regulated by the Financial Conduct Authority, reference number 952652. Tembo is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo Savings Limited is authorised and regulated by the Financial Conduct Authority (reference number 928010), and a HMRC-approved ISA Manager (reference number Z2046). Tembo is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW

Disclaimer

*Share to Buy Ltd does not directly endorse or recommend Tembo Money Limited or any other firm of brokers and takes no liability for the service you receive, and can give no guarantees to levels of service, but recognises from its commercial experience of working with Tembo Money Limited that they seem to offer a comprehensive service staffed by financial experts with high levels of knowledge specific to Shared Ownership and affordable housing transactions. The Share to Buy mortgage broker panel is an advertising opportunity for specialist affordable homeownership brokers and financial advisors. Share to Buy Ltd does not receive any commission or referral fees if you use Tembo Money Limited, although Tembo Money Limited may from time to time choose to advertise on sharetobuy.com and at home shows hosted by Share to Buy Ltd. You are not obliged to use Tembo Money Limited or any other specific firm for your transaction and should take independent financial advice before entering into any complex financial transaction, including house purchase, sale, staircasing or other related transactions.