Experts in specialist mortgages
Whether you’re self-employed, professional, or facing complex income and credit situations, we’ll help you discover what you could afford in under 10 minutes.
Experts in specialist buying schemes
Average £88,000 budget boost
Your own dedicated mortgage team
We make home happen, against the odds
Our mission is to make home happen for the next generation of home buyers and remortgagers. With our specialist mortgage expertise, award-winning service, and smart tech, we find all the ways you could buy or remortgage, 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
What you get with Tembo
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
Specialist mortgage options we can help with
To see which mortgage products 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.
Self-employed & complex income
Adverse credit mortgages
Low deposit mortgages
Guarantor mortgages
Professional mortgages
NHS mortgages
Shared ownership
New build mortgages
Foreign national
Tier 2 Visa Holder
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.
Why specialist mortgages matter
Not everyone fits neatly into a standard mortgage box, and that’s okay. If you’re self-employed, have multiple income streams, or have a less-than-perfect credit history, many high-street lenders may struggle to see the full picture. That doesn’t mean you can’t afford a home - it just means you need the right mortgage.
Specialist mortgages are designed for real-life situations, taking a more flexible view of income, affordability and circumstances. Helping buyers to unlock borrowing power that traditional mortgages often overlook.
At Tembo, we combine smart technology with expert brokers to look beyond the basics. We search over 100 lenders - including specialist and niche providers - to find options that work for you.
Save for
3.8% AER
or
Stocks & Shares
Lifetime ISA
Save up to £4,000 per tax year
25% Gov bonus of up to £1,000
Cash (3.8% AER (variable)) or Stocks & shares
3.8% AER
Cash ISA - Easy access
Unlimited easy access withdrawals
Same rate for new and existing customers
3.8% AER (variable)
4.07% AER Fixed
Cash ISA - Fixed rate
Fixed interest rate for 12 months
Provided by Investec
Add up to £20,000 each tax year
5.24% AER
HomeSaver®
3.74% AER (variable) + 1.5% 12 month bonus
Bonus unlocked when get a mortgage
FSCS protection & No withdrawal limits
