First time buyers
Boost your affordability and get on the ladder with expert support
Home Movers
Whether upsizing or relocating, well help you get the right mortgage
Remortgaging
Find a better rate or release equity with clear, tailored advice
Specialist Mortgages
Support for a wide range of specialist mortgage needs
Buy to Let
Explore mortgage options to start or grow your rental portfolio
Over 50s
Access flexible later-life mortgage options to support your plans
Discover all our mortgage schemes
Cash Lifetime ISA
Save towards your home deposit or retirement and you’ll get a 25% government bonus
S&S Lifetime ISA
Invest towards your home deposit or retirement and you’ll get a 25% government bonus
Easy Access Cash ISA
Save up to £20,000 into a Cash ISA each tax year, and the interest you earn is tax-free
Fixed Rate Cash ISA
Lock your savings away for a fixed term in return for a fixed interest rate
HomeSaver®New
Get a boosted savings rate when you get a mortgage through Tembo
Discover all our Savings accounts
Affordability Calculator
See how much you can borrow as well as indicative interest rates
Remortgage Calculator
See how much you could save by switching to a new deal
Take home pay calculator
See what your annual, monthly and weekly take-home could be
Stamp duty calculator
Figure out how much Stamp Duty you'll pay on your purchase
Compare mortgage rates
Compare the best rates and deals from over 100 lenders
Compare remortgage rates
Compare the best rates and deals from over 100 lenders
Mortgages 101
Learn how to maximise your affordability, so when you find your dream home, you're ready to make a move.
Our mission
How we’re reshaping homeownership for the next generation
Meet the team
The people making home happen for thousands of homebuyers
Case studies
See how buyers like you reached their goals with Tembo
Our lenders
See the trusted lenders we partner with for better deals
Contact us
Get support from our friendly team whenever you need it
Best mortgage deal guarantee
Exclusive to Tembo savers
My mortgage
Connect your mortgage for hassle free remortgaging
Homebuying Plan
A clear plan to buy your new home
Ratecheck
Protect yourself against rising rates
Property reports
A free report on your home
Struggling to save? Buy a home with a just a 10% deposit
90% mortgages allow you to buy a property with just a 10% house deposit. Get expert advice from the UK's Best Mortgage Broker 2022 & 2023 and explore rates from the whole of market.
Compare 90% Mortgages
Tried, tested, trusted.
Getting started with Tembo
Get your 90% LTV mortgage underway in just 3 simple steps
Got questions? We've got answers
See all FAQsFrequently asked questions
Other lenders do offer 100% mortgages, but these are usually require a guarantor to support the application, usually using their savings or property. Take a look at Savings as Security mortgages, or the Tembo Deposit Boost on our website to learn more.
In 2024, 2023 and 2022 we were voted the UK’s Best Mortgage Broker by our customers at the British Bank Awards. We specialise in helping buyers, movers and remortgages boost their affordability. Thousands have already used Tembo to discover how they could afford their dream home. Our smart decisioning tech and mortgage experts will find the best way to boost your budget from over 100 mortgage lenders, including high street banks and innovative first time buyer schemes. So you can get a solution in an instant, plus benefit from our expert advice and access some of the best rates available.
Typically, mortgage lenders will let you borrow between 4 to 4.5 times your total income for a mortgage. However, there are innovative buying schemes that will boost the amount you can borrow. These include 5.5x Income Mortgages, private equity loans and guarantor mortgage schemes. Tembo can help you discover the best way to increase your borrowing potential from a range of schemes in an instant. Simply create a free Tembo plan to get started.