{"id":578573,"date":"2026-07-15T15:33:33","date_gmt":"2026-07-15T14:33:33","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=578573"},"modified":"2026-10-13T18:31:05","modified_gmt":"2026-10-13T17:31:05","slug":"tembo","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/tembo","title":{"rendered":"Tembo review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>Tembo describes itself as a \u201chomeownership partner\u201d, as it supports people through the whole home buying process \u2013 from saving for a deposit all the way through to purchasing their first home. <\/p><p>To achieve this, it uses smart technology and expert advice to search over 100 lenders and 25+ specialist schemes to find you a suitable mortgage deal. <\/p><h3>Our verdict: Is Tembo worth it?<\/h3><p>If you\u2019re a first-time buyer, it\u2019s definitely worth considering Tembo to save your deposit and find your mortgage deal when the time is right. It has competitive savings products and the mortgage advice is free to existing savings customers (although fees may apply otherwise). <\/p><p>Tembo makes a bold claim that it can increase the average user\u2019s budget by \u00a382,000. Naturally it\u2019s probably a smaller number if you\u2019re a first-time buyer on a low income\u2026 and crucially it\u2019s \u201cversus standard mortgage calculators\u201d. But when we tested the claim with a first-time buyer in their 20s and a remortgage-er in their 40s, against a high-street bank\u2019s online calculator, we were pleasantly surprised to see the claim actually hold up \u2013 suggesting \u00a388k and \u00a3105k increases respectively.<\/p><h3>Tembo\u2019s pros and cons<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Free to existing savings customers<\/li>\n                                    <li>Free for like-for-like remortgaging<\/li>\n                                    <li>Advice calls with real humans, often same-day appointments<\/li>\n                                    <li>7-day opening hours<\/li>\n                                    <li>Access deals from over 100 lenders<\/li>\n                                    <li>Looks at 25+ specialist schemes<\/li>\n                                    <li>Intuitive app that tracks your progress and goals<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Fees apply unless you're an existing savings customer or remortgaging<\/li>\n                                    <li>Live chat service is automated<\/li>\n                                    <li>No in-person advice<\/li>\n                                    <li>Initial form completion is a little confusing if you\u2019re buying with another person<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Who is Tembo suited to?<\/h3><p>Tembo is best-suited to first-time buyers, especially those who are early on in the process. This is because it offers strong savings rates to help you grow your deposit, and the mortgage advice\/brokering service is fee-free for Tembo savings customers.<\/p><p>While some other brokers try to do everything over live chat, Tembo\u2019s primarily phone-based. So add that to the fact that it helps you consider 25+ schemes to unlock bigger budgets, and we think it\u2019s also well geared up to first-time buyers with more complex cases (which some brokers simply wouldn\u2019t have an appetite for).<\/p><h3>How does Tembo work?<h3><\/h3><\/h3><p><img decoding=\"async\" class=\"sml-image-center alignright lazyload\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/07\/tembo_screenshot_add_applicant_or_booster.png\" alt=\"Tembo screenshot showing part of the onboarding form where you add another applicant's details \u2013 if you're buying with somebody else or with support of a 'booster' (typically a family member who helps you put up a larger deposit).\" width=\"250\" height=\"516\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/07\/tembo_screenshot_add_applicant_or_booster.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/07\/tembo_screenshot_add_applicant_or_booster.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/07\/tembo_screenshot_add_applicant_or_booster.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/07\/tembo_screenshot_add_applicant_or_booster.png?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/p><p>I already had the Tembo app, so I tested the mortgage broker service to see how it works and how simple it is to use: <\/p><ul><li>First, you need to create an account \u2013 you can login using a magic link which saves you having to remember a password.<\/li><li>Once you\u2019ve done that, you fill in an online application, which takes about 10-15 minutes. This includes available deposit, salary and credit usage, so it\u2019s worth having your information to hand.<\/li><li>Tembo reassures you at the start that there is no credit check involved.<\/li><li>You can specify in the form if you\u2019re interested in exploring specialist schemes (e.g. family-supported Boost options) or just want to see the cheapest deals.<\/li><li>Once the form was completed, I was able to download my Mortgage in Principle instantly and also received it via email.<\/li><li>The live chat is automated, but I was able to book an initial 10-minute chat with a real person at the time of my choosing instead \u2013 plenty of slots available.<\/li><li>The call went ahead as scheduled and mainly involved confirming details, checking my timeline and doing a live affordability check. They clarified I wouldn\u2019t have to pay fees as an existing customer.<\/li><li>The final step is a 45-minute call with an expert adviser \u2013 they recommended I should book this closer to my target purchase date to get the most accurate deals.<\/li><li>At this final stage, I will receive tailored advice, deals to review and need to provide more evidence of my employment and income.<\/li><li>Once I\u2019ve pinpointed a mortgage product with the adviser\u2019s support, the adviser passes me over to a case handler \u2013 but I can still ask to speak with my dedicated adviser whenever.<\/li><li>Tembo keeps scanning market rates while the mortgage is going through. 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<div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Hands-on experience with the Tempo app<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"I love that I can see everything in one place with the Tembo app \u2013 my Lifetime ISA, specialised savings account and mortgage application process. Seeing progress towards my deposit goal is great for motivation and staying on track. However, it only shows my Lifetime ISA in the progress bar rather than counting my HomeSaver pot towards my goal, which is a little confusing. <\/p><p>I found Tembo\u2019s online broker service to be straightforward and informative. The expert on the call was helpful and friendly, and gave me her email in case I had any questions before scheduling my next appointment. <\/p><p>I\u2019m looking to buy with my partner, so did find it confusing that you couldn\u2019t specify multiple buyers until the end of the initial form. It was a little unclear whether the deposit is just your contribution or the total pooled amount. However, I was able to clarify these details when speaking to them on the phone.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/sophiebarber\" itemprop=\"url\" target=\"_blank\">\n                        Sophie Barber\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Senior content marketing manager<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 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0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">I went to Tembo when it was time to remortgage<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"With my 5-year fix coming to an end, I tried out Tembo to see if it could help me get a competitive new rate.<\/p><p>The initial form took me about 10 minutes, after which I had the choice of live chat or a phone appointment. It talk me a moment to realise that the live chat service was fully-automated and that I\u2019d still need the phone chat. But a slot was available within the next 2hrs, which was ideal.<\/p><p>The \u201c10 minutes with Tembo\u201d call took a little over 10 minutes in fact, but I had my mortgage in principle by the end of it. Plus all the ID verification was done. I went on to have a longer call to select a specific mortgage product. This call was with Jason, who really was a pro and quickly helped me weigh up the current top fixed rates with the top trackers. I landed on a 2yr tracker from Barclays.<\/p><p>Overall I was very happy that I\u2019d done my due diligence with Tembo\u2019s help and ended up with a great deal. Along the way, all the key details were confirmed by email so I didn\u2019t get my pen and paper out at any point!\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/chrislilly\" itemprop=\"url\" target=\"_blank\">\n                        Chris Lilly\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Head of publishing<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3>Tembo fees<\/h3><p>Fees do apply for some Tembo users, but you never pay for advice alone and will only pay once you take up a mortgage offer. If you have an existing savings account with Tembo, you also qualify for fee-free advice.<\/p><ul><li><strong>Savings customers and remortgages:<\/strong> Free.<\/li><li><strong>Standard mortgage:<\/strong> \u00a3499.<\/li><li><strong>Complex mortgage:<\/strong> Up to \u00a3749.<\/li><\/ul><h3 id=\"savings-accounts\">Tembo savings accounts for first-time buyers<\/h3><p>Tembo offers the following savings accounts:<\/p><ul><li>Lifetime ISA<\/li><li>HomeSaver<\/li><li>Easy Access Cash ISA<\/li><li>Fixed Rate Cash ISA<\/li><\/ul><p>Tembo\u2019s signature savings products for prospective homebuyers are the Lifetime ISA (available as either cash or stocks and shares) and the HomeSaver.<\/p><h4>Lifetime ISA<\/h4><p>At the time of writing (July 2026), Tembo offers a very competitive rate on its cash lifetime ISA (LISA). It\u2019s easy to track your savings and progress towards your homebuying goal in the app \u2013 and add more deposits up to your yearly limit. To find out more about how LISAs work, you can read our guide.<\/p><p>They also offer a stocks and shares LISA \u2013 but there is not much choice as your money is invested in a single ESG fund. The platform is more geared towards cash savers. <\/p><h4>HomeSaver<\/h4><p>The HomeSaver is a specialised savings account for aspiring first-time buyers. You can contribute up to \u00a320,000 in total and receive a competitive savings rate on your balance. <\/p><p>It\u2019s made up of a base rate, an introductory fixed bonus, and a HomeSaver bonus, which is paid out if you complete a qualifying mortgage or remortgage with Tembo within 3 years of opening the account. <\/p><h3>Is Tembo safe?<\/h3><p>Your money with Tembo is FSCS protected and it is held with partner banks: Barclays, Bank of Scotland, Aldermore Bank, QNB Bank or Shawbrook Bank. There is a \u00a3120,000 FSCS deposit protection limit per person, per bank.<\/p><p>Tembo is fully authorised and regulated by the Financial Conduct Authority, which means it\u2019s bound to the same regulations as all major financial companies across the UK.<\/p><h3>Tembo\u2019s customer reviews<\/h3><p>Tembo fares very well on TrustPilot with score of 4.8 out of 5 from more than 7,000 reviews, rating it \u201cExcellent\u201d (as of July 2026). <\/p><p>Many customer comments cited Tembo\u2019s fast response times and its supportiveness. Negative comments were more on the savings side than the mortgage advice side, but the majority of customers were very happy with their experiences with both aspects.<\/p><h3>Bottom line<\/h3><p>Tembo is a whole-of-market broker, which means you don\u2019t have to shop around \u2013 making the stressful experience of buying your first home more manageable. It\u2019s also well-equipped to help if you\u2019re looking for a more specialist or complex mortgage.<\/p><p>However, if you\u2019re looking for a simple mortgage broker rather than a comprehensive homeownership platform, the number of features and different products in Tembo could feel a little overwhelming. You may also be charged fees if you\u2019re not an existing customer, whereas there are fee-free brokers out there. <\/p><h3>Frequently asked questions about Tembo<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can you remortgage with Tembo?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Although Tembo is aimed at first-time buyers, you can absolutely use Tembo to remortgage, just as you would with other digital mortgage brokers. And it\u2019s fee-free for like-for-like remortgages!<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How do the Tembo \u201cBoost\u201d schemes work?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>These are designed to increase your affordability. Income Boost, also known as a Joint Borrower Sole Proprietor Mortgage (JBSP), allows loved ones to add their income so you can borrow more. A Deposit Boost lets your loved one release equity from their property to gift you a bigger deposit. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Does Tembo have options for part buy, part rent?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, Tembo supports government-backed schemes like Shared Ownership (part buy, part rent) and the Freedom to Buy scheme. In fact, it searches 25+ specialist schemes for options to boost your affordability. <\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Does Tembo allow ISA transfers?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, Tembo accepts both partial and full ISA transfers, including cash ISAs, Help to Buy ISAs and stocks and shares ISAs. However, it may occasionally pause transfers from certain providers, so you can check in the app.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Our review reveals all the need-to-knows about the popular mortgage broker Tembo.<\/p>\n","protected":false},"author":1312,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"tembo review","_yoast_wpseo_title":"Tembo review [date format=\"Y\"]: We tried out this popular broker","_yoast_wpseo_metadesc":"Our review reveals all the need-to-knows about the popular mortgage adviser and savings provider 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