The journey to your first home starts here
Buying your first home can feel overwhelming. That's where our award-winning, all-in-one savings and mortgage platform comes in. By your side from your first £1 saved until you get your keys, with expertise at every step.
Award-winning savings and mortgage platform
Average £88,000 budget boost
Your own dedicated mortgage team
Trusted by thousands of first time buyers across the UK
Our mission is to make home happen for the next generation of first home buyers. We simplify the process, cut through the jargon, and use our expertise and award-winning smart tech to find all the ways you could buy sooner, including how you could boost your budget.
Single income first-time buyer
Buying with complex income
First-time buyer in London
Using income to boost affordability
Remortgaging to gift a deposit
Acting as a silent guarantor
Demystify home buying, with the ultimate mortgage package
It’s not always easy to know exactly how to take the first step. Our service is designed to help guide you through the whole process, with award-winning mortgage advice from start to finish
We’ll find you the best deal
From 20,000+ products and 100+ lenders
Same day appointments
Book an instant appointment 7-days a week
A dedicated case manager & advisor
By your side from hello to getting your keys
Instant property valuations
Free home reports with 120+ data points
Advice from UK’s Best Mortgage Broker
As voted by our customers four years running
A lightning quick service
Average time to mortgage offer is just 10 days
Protection & insurance advice
The cover you need to protect you & yours
Hassle-free moving service
Easy utilities, moving & services set-up
Access to our panel of conveyancers
Tried & tested paid legal guidance from our experts
Explore our first time buyer products
To see which mortgage rates and budget-boosting schemes you could be eligible for, create a free Tembo plan. It's completely free, takes 10 minutes and there's no credit check involved.
Mortgage in Principle
5.5x Income Mortgage
NHS mortgages
Shared ownership
100% mortgages
Guarantor mortgages
Compare today's best mortgage rates
See today's best possible rates for first time buyer mortgages from our panel of over 100 lenders.
The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.
What is the best type of mortgage for first-time buyers?
The best first time buyer mortgages vary from person to person, depending on how much you have saved up, what mortgage rates and specialist schemes you're eligible for, and whether you will have any additional help. But working that out alone can be a minefield.
At Tembo, we specialise in helping first home buyers discover how they could afford to get a place of their own, even against the odds.
Save for sooner
From building your first house deposit to saving for retirement, our award-winning savings and investment app helps you save towards life’s milestones faster.
Black Friday: Up to £300 cashback
SAVING FOR FIRST HOME OR RETIREMENT
Lifetime ISA
Save up to £4,000 per tax year
25% Gov bonus of up to £1,000
Cash (4.1% AER) or Stocks & shares
4.1% AER
Save up to £20,000 a year tax free
Cash ISA - Easy access
Unlimited easy access withdrawals
Same rate for new and existing customers
4.1% AER (variable)
4.30% AER Fixed
Fixed interest rate
Cash ISA - Fixed rate
Fixed interest rate for 12 months
Provided by Investec
Add up to £20,000 each tax year
5.5% AER
built for homeowners & buyers
Home Saver™
3% AER (variable) + 2.5% 12 month bonus
Bonus unlocked when get a mortgage
FSCS protection & No withdrawal limits
Open in minutes
Download the Tembo app and you can have an account open in under 10-minutes.
A competitive interest rate for all
The same rates for new, returning and transferring customers.
Accrue interest daily
Track your interest gains in the Tembo app, and watch your savings grow over time.
