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home happen

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.

Typically, mortgage lenders will let you borrow between 4 to 4.5 times your total income for a mortgage. However, there are innovative buying schemes that will boost the amount you can borrow. These include 5.5x Income Mortgages, private equity loans and guarantor mortgage schemes. Tembo can help you discover the best way to increase your borrowing potential from a range of schemes in an instant. Simply create a free Tembo plan to get started.

As a specialist mortgage broker, we work with over 100 lenders and schemes, giving us access to thousands of mortgage products. This means we can find all the schemes you're eligible for and how much they could boost your budget by in an instant - saving you time, effort and money. Your dedicated mortgage broker will then walk you every step of your homebuying journey, right up to getting the keys to your new home.

From start to finish it can take anywhere from a number of months to years to buy a property. How quickly you can buy a home depends on whether you've saved up a house deposit already, if you've received a mortgage offer from a lender, and how long it takes to find, buy and move into your new home.

It’s estimated that house price growth should stay modest in 2025, while mortgage rates are expected to continue to fall. For many, this will make getting on the ladder more affordable. However, even if house prices stay stable, you could find yourself still unable to afford to buy. If you are thinking of getting on the ladder in 2025, it’s worth seeking expert advice from a mortgage broker like Tembo to find out how you could increase your affordability to buy sooner or boost your buying budget.