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Tembo is a great service. They’ll help you get on the property ladder with unique options to increase the amount you can borrow and boost your deposit – and they’ll search every mortgage out there to get the best one for you. Plus, they can help you save for your deposit with a market leading interest rate on a Lifetime ISA.
Make sure you click the link above, and this will take you to our exclusive Nuts About Money discount page on Tembo’s website, where you can get 50% off Tembo’s mortgage advice fee. You’ll need to register on that page first for the discount to be automatically applied to your new Tembo account.
You don’t need to get a mortgage there and then, just whenever you are ready, you can log into your Tembo account and continue on, with your 50% discount saved.
Yes! It’s perfect for first time buyers. They’re experts in all the various problems first time buyers face, such as small deposits and lower incomes – they’ve got unique options to help with these, so you could still end up buying the home of your dreams much sooner than you think!
They’ll also apply and sort the whole mortgage for you too, even if you don’t want to use these additional services. And, you’ll be guaranteed to be on the best mortgage for you – as they search the whole market (search every mortgage possible by mortgage brokers – that's over 100 lenders) to find the right one for you.
Put simply, Tembo does everything possible to help you get on to the property ladder. They’re your partner with the financing side of buying your home, all you really need to do is find the home of your dreams.
That means they’ll find the right mortgage for you, from various different types of mortgages, but also use the various different government schemes and sources to either increase your deposit, or boost your income to a level where you can get the mortgage.
If you’ve already got a mortgage, often you’ll want to switch to a new deal when the fixed rate period of your mortgage ends, which is the lower rate (incentive) at the beginning of the mortgage. This is normally fixed for either 2 or 5 years.
Tembo can help find the very best new mortgage for you. You can also remortgage to borrow more cash if you want to build an extension, or use the cash for anything you like – be sensible please!
The customer support is awesome.
The guys at Tembo really know their stuff, and they’re super friendly and helpful too.
When you first get started, you’ll need to use their website, where there’s live-chat, so you can ask any questions you might have on their website and get a quick response.
After that, you’ll be assigned a mortgage advisor who’s with you from start to finish and you’re able to speak to them over the phone – or email, or live-chat, the choice is yours.
They’ll update you whenever there’s progress on your mortgage too, so you’re always in the loop.
If you're just curious, their website is also full of information about the types of mortgages that might be right for you.
Unfortunately Tembo isn’t free. They charge for the mortgage advice. The typical fee is £499, and if you get extra help by taking out an Income Boost, or Deposit Boost, it's normally around £749, but it can increase to £999 for very complex cases.
And as you're reading this (Nuts About Money), you'll get 50% off the fee – making it very reasonable.
This is in-line with most mortgage brokers across the UK, so don’t let it put you off, and the customer service is really excellent. Plus, you’ll be sure you’re getting the right mortgage for you, and they’ll handle the whole application for you too. Not to mention the extra services they provide to get you on the property ladder!
We always recommend getting mortgage advice – finding the best mortgage for you can potentially mean the difference of £1,000s per year, so it really does pay for itself.
We’re huge fans of Tembo – getting on the property ladder is seriously difficult, and anyone helping people to get on the ladder deserves a big round of applause!
The options to increase your borrowing and deposit are really great. For a lot of people, these might be your only options to buy a home.
Plus, you can be sure you’re getting the best mortgage deal, as they search every mortgage lender possible (over 100 lenders) to find the best one for you. Potentially saving £100s per month.
And best of all, the service is epic. They’re with you every step of the way, and advising the right options to get you that dream home.
The only downside is there’s a fee, but can you really expect all of that for free? (although 50% off with Nuts About Money).
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