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NEW: long-term fixed rate

Fix your interest rate for up to 40-years and increase your borrowing to 6x income. Rates from 5.69%

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5.5% AER

HomeSaver™

We believe homeownership deserves better. That’s why we created HomeSaver™, a savings account that rewards first-time buyers, next time buyers and remortgagers for doing the whole journey with Tembo.

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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.

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Join 350,000 others saving for their first home & retirement.

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BLACK FRIDAY OFFER

Get up to £300 with Tembo's Black Friday offer

Transfer your current Lifetime ISA to Tembo's Cash Lifetime ISA between 14th November and 5th December 2025 and get a cash bonus of up to £300. That's free money, straight into your Lifetime ISA.

HomeSaver rate comparison - Tembo 5.5% vs other banks
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Free for Tembo Savers

The ultimate mortgage experience

The ultimate mortgage experience

Rated

Excellent

on Trustpilot

The only

5.0 rated

mortgage broker

on Trustpilot and Google

We'll find you the best deal

From 20,000+ products and 100+ lenders

A dedicated case manager & advisor

By your side from hello to getting your keys

Property insights and survey reports

Free home reports with 120+ data points

Advice from UK's Best Mortgage Broker

As voted by our customers four years running in 2022, 2023, 2024 & 2025.

Access to our panel of conveyancers

Your conveyancer will sort out all the legal checks and draw up the contracts

Protection & insurance advice

Get the cover you need to suit you and your family with our in-house team of advisors

Hassle-free home-moving

Easy utilities, moving & services setup

Same day appointments

Book an instant appointment 7-days a week

A lightning quick service

Average time to mortgage offer is just 10 days

We'll find you the best deal

From 20,000+ products and 100+ lenders

A dedicated case manager & advisor

By your side from hello to getting your keys

Property insights and survey reports

Free home reports with 120+ data points

Advice from UK's Best Mortgage Broker

As voted by our customers four years running in 2022, 2023, 2024 & 2025.

Our savings accounts

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

Read more about Lifetime ISA

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)

Read more about Cash ISA - Easy access

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

Read more about Cash ISA - Fixed rate

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

Read more about Home Saver™

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.

UK-based support

Your money matters, to you and to us. And sometimes speaking to a human about it is a non-negotiable. Our friendly support team are UK-based, and available 7-days a week to help when you need that human touch.

FSCS government protection up to £85,000

Your funds are protected up to £85,000 by the Financial Services Compensation Scheme (FSCS) per eligible person, per bank. This provides protection for consumers in the event that their financial institution fails.

Your cash is safeguarded and belongs only to you

We use national, trusted partner banks to hold customers' funds - Bank of Scotland, Barclays and Aldermore. This means your money is ring-fenced and belongs only to you.

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Plus, the ultimate mortgage experience

Free for Tembo savers

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 saving guides

See all guides