Help your child buy a home of their own
Looking to help your child or loved one get a mortgage? We’re an award-winning mortgage broker on a mission to make home happen for a new generation. We help families support their children with buying a home, using a range of guarantor mortgages and budget boosting schemes.
Average £82,000 boost to affordability
Voted the UK's Best Mortgage Broker
Same day appointments, 7-days a week
How can I help my child get on the property ladder?
Buying a home has never been harder. As house prices have skyrocketed, a new generation of homeowners have found themselves priced out of the property market. This means young adults are more reliant than ever family support, but not every family has cash to give. Tembo specialises in alternative ways to support first time buyers in purchasing their home, even without cash gifts from loved ones.
Why Tembo?
We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.
Family supported mortgages
Income Boost
If your child has saved up some deposit but their maximum borrowing is too low to get a suitable mortgage, an Income Boost could be for you. Also known as a Joint Borrower Sole Proprietor mortgage, an Income Boost enable you to add your income to the buyer's mortgage to increase their affordability.
Deposit Boost
If your loved one is struggling to save a large enough deposit and you own a home, a Deposit Boost could be the answer. By unlocking money from your property in an affordable & ethical way, you could get them on the ladder faster and help them make big savings in interest.
Savings as Security
If you do have cash savings, but feel uncertain about gifting your child money, a Savings as Security mortgage could be the solution. By depositing 10% of a property's value into an account held by the lender, your loved one can get a mortgage with no deposit saved up. After the end of a set term, you'll get your savings back, plus interest.
Dynamic Income Boost
Like a standard Income Boost, you'll add your income to your child's mortgage application. But instead of being a guarantor, you'll co-own the property with them, contributing to the repayments in return for equity in the home. With a larger combined income, your loved one will be able to access lower interest rates or afford a more expensive property.
Deposit Loan
Saving up a deposit can often be the biggest barrier to homeownership. By contributing to your child's house deposit, they can get on the ladder sooner as well as access better mortgage rates. In return, you'll own a percentage of their home.
The application process
4 simple steps to your loved one getting the keys to their new home
Make a Tembo plan
Check your family’s eligibility for our family mortgages and get a personalised recommendation with interest rates and repayments in under 10-minutes.
Talk to an expert
Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about family mortgages and any other schemes.
Find a property
Once your child has found a property, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on their behalf!
Make home happen
During conveyancing, we’ll liaise with the seller and your solicitors to ensure a smooth purchase. We’ll also provide a free protection review for your child’s insurance needs.
Tried, tested, trusted.
We've helped thousands of families discover how they could help their loved ones buy sooner with a guarantor mortgage. Read 5* rated reviews from some of our happy customers, or create a free Tembo plan to see how a guarantor mortgage could them buy sooner.
Got questions? We've got answers
See all FAQsFrequently asked questions
Learn more
We've hand picked our top guides to answer your mortgage questions. You can explore all of our guides in our Mortgage Guides Hub.
