First time buyers
Boost your affordability and get on the ladder with expert support
Home Movers
Whether upsizing or relocating, well help you get the right mortgage
Remortgaging
Find a better rate or release equity with clear, tailored advice
Specialist Mortgages
Support for a wide range of specialist mortgage needs
Buy to Let
Explore mortgage options to start or grow your rental portfolio
Over 50s
Access flexible later-life mortgage options to support your plans
Discover all our mortgage schemes
Cash Lifetime ISA
Save towards your home deposit or retirement and you’ll get a 25% government bonus
S&S Lifetime ISA
Invest towards your home deposit or retirement and you’ll get a 25% government bonus
Easy Access Cash ISA
Save up to £20,000 into a Cash ISA each tax year, and the interest you earn is tax-free
Fixed Rate Cash ISA
Lock your savings away for a fixed term in return for a fixed interest rate
HomeSaver®New
Get a boosted savings rate when you get a mortgage through Tembo
Discover all our Savings accounts
Affordability Calculator
See how much you can borrow as well as indicative interest rates
Remortgage Calculator
See how much you could save by switching to a new deal
Take home pay calculator
See what your annual, monthly and weekly take-home could be
Stamp duty calculator
Figure out how much Stamp Duty you'll pay on your purchase
Compare mortgage rates
Compare the best rates and deals from over 100 lenders
Compare remortgage rates
Compare the best rates and deals from over 100 lenders
Mortgages 101
Learn how to maximise your affordability, so when you find your dream home, you're ready to make a move.
Our mission
How we’re reshaping homeownership for the next generation
Meet the team
The people making home happen for thousands of homebuyers
Case studies
See how buyers like you reached their goals with Tembo
Our lenders
See the trusted lenders we partner with for better deals
Contact us
Get support from our friendly team whenever you need it
Best mortgage deal guarantee
Exclusive to Tembo savers
My mortgage
Connect your mortgage for hassle free remortgaging
Homebuying Plan
A clear plan to buy your new home
Ratecheck
Protect yourself against rising rates
Property reports
A free report on your home
Tier 2 Visa Holder? We can help you navigate the UK mortgage market
At Tembo, our award-winning team of mortgage experts can help you navigate the mortgage process as foreign national without permanent rights to reside.
£88,000 Average Affordability Boost
Voted the UK's Best Mortgage Broker
Available 7-days a week, plus evenings
Olivia, you’ve got 7 options to buy that home worth
£300,000
We search over 100 lenders & 25 schemes to find you the best deal
That's how we increase budgets by an average £88,000 versus “standard” mortgage calculators.
Get startedSpecialist First-time buyer schemes
First-time buyer mortgage
Low deposit, low affordability, solo buyers
Enhanced affordability and lower rates for first-time buyers
utilises COMPLEX self-employed income
Self employed mortgage
Self-employed or complex income
Options for sole traders, contractors & company directors that only need one year’s accounts.
New home mortgages & schemes
New-build mortgage
Low deposit, low affordability, solo buyers
Lower deposit requirements and better rates for new build homes
family supported mortgages
Guarantor mortgages
Low affordability
Using guarantor income, savings or property to boost borrowing
Switch to a new deal
Remortgage
Employment & Income
Best rates from over 20,000 products and 100+ lenders
Part buy part rent
Shared Ownership
Low affordability
Increase your budget with the government's shared ownership scheme
Specialist speedy mortgages
Fast-track mortgage
Low deposit, low affordability, solo buyers
Lenders offering digital valuations or income verification to secure you a quick mortgage offer.
These customers found great mortgage deals through Tembo
Got questions? We've got answers
See all FAQsFrequently asked questions
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.
Tembo is authorised and regulated by the Financial Conduct Authority (FCA) under the registration number 952652.
We work with over 100 lenders and schemes, giving us access to thousands of mortgage products.