Do you have a Tier 2 visa?

The general rule is you need to have lived in the UK for at least three years before you can apply for a UK mortgage. This is so you'll have three years' worth of address history and a reliable, traceable credit history too. However, you may also need to meet tighter affordability criteria and provide additional paperwork before a lender is willing to approve your application. Each lender will have its own affordability checks and their requirements often differ depending on the type of visa you have. They’ll also look at your financial situation, just like they would with any other mortgage applicant.

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.

To ensure you get the best possible service no matter how complex your situation, Tembo usually charges a fee for mortgage advice. The fee isn't payable until you have a mortgage offer from a lender, so you'll never pay for advice alone. For a standard mortgage, the fee is £499, and for a Boost mortgage or complex cases it is £749.

Why? Well, you'll get expert advice from a fully qualified specialist, who will create a bespoke mortgage plan that's right for you. You'll also get access to over 100 lenders, with many options not found on the high street or through other channels, exclusively available to Tembo. Plus we'll do all the hard work, so you don't have to! We'll help you find the right mortgage and conveyancer, and we'll liaise with your solicitor and estate agent once your offer has been accepted.