Need help getting a mortgage with adverse credit?
Don’t let late payments, arrears or defaults stop your homebuying journey. With specialist guidance and tailored options, we’ll help you explore mortgage routes even with less-than-perfect credit.
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Over 20,000 mortgage products
How can Tembo help?
Adverse credit can make getting a mortgage feel out of reach, whether it’s late payments, arrears or old defaults on your file. But having a less-than-perfect credit history doesn’t mean your home-buying plans have to stop.
At Tembo, we specialise in supporting buyers with adverse credit find a path forward. Our mortgage experts review your full situation, from credit history, current commitments to affordability, to match you with specialist lenders and affordability-boosting schemes. We’ll help you understand what’s possible and navigate the steps toward securing a mortgage, even with past credit challenges.
The application process
Get a mortgage in 4 simple steps
Make a Tembo plan
In under 10-minutes, we’ll check your eligibility for mortgages from over 100 lenders & find the best options for you from thousands of mortgage products. Plus, you’ll get a personalised recommendation including interest rates and repayments.
Talk to an expert
Book a call with our mortgage experts to complete the qualification process. We’ll cover any questions you might have about your eligible products and any other buying schemes you might be interested in.
Apply for a mortgage
Once you’ve found a property or when your remortgage is due, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
Make home happen
Your Tembo advisor will be on hand to ensure everything runs smoothly, so you can move onto your new deal as quickly as possible. If you're starting a new mortgage and need conveyancing, we’ll liaise with the developer or seller and your solicitors to ensure a smooth purchase.
