Someone thought you'd love Tembo - they were right

We’ve been voted the UK’s Best Mortgage Broker five years running (2022–2026) by our customers at the British Bank Awards. We specialise in helping buyers, movers, and remortgagers significantly boost their affordability, increasing borrowing potential by an average of £82,000. 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 maximize your budget by scanning over 100 lenders and 25+ innovative specialist schemes. Get a solution in an instant, benefit from expert human advice, and access some of the best rates available.

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.

There are various ways you can increase your affordability, from improving your credit score to cutting back spending. If you have family who would like to help, they could also become a guarantor to increase your borrowing potential, or reduce the amount you need to borrow by gifting or lending you money to increase your equity stake. Talking to affordability experts like Tembo can help you identify the best areas to work on to improve your affordability.

Yes, by having a guarantor on your mortgage application, you can get a bigger mortgage. This is by either putting down a larger house deposit, using your guarantor’s savings as security or adding your guarantor’s earnings to your application. However, in order to receive a mortgage offer, both you and your guarantor need to pass the lender’s affordability checks.