Tembo - Savings & mortgages

Download Tembo - the award-winning money saving app trusted by thousands, designed to help you hit your goals faster. As seen in The Guardian, Sky News, BBC & more.

- Buy your first home faster with our market-leading Lifetime ISA
- Competitive interest rates for all, helping you save for your next milestone
- Save your way with an app built with you in mind. Top up or pay in monthly, track your progress, plus expert tips!
- Free tools to help you get mortgage-ready. Compare live rates from +100 mortgage lenders, get a tailored homebuying plan or track an existing mortgage.
- Expert, fee-free mortgage advice from the UK’s Best Mortgage Broker
- Safe & secure. Your savings are FSCS-protected (Financial Services Compensation Scheme).
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Choose from our range of competitive ISA savings accounts:

- Market-leading Cash Lifetime ISA
- HomeSaver
- 1-Year Fixed Rate ISA
- Easy Access Cash ISA
- Stocks & Shares Lifetime ISA

MARKET-LEADING CASH LIFETIME ISA:
- Boost your house deposit with a 25% government bonus, up to £1,000 per tax year.
- Earn a market-leading interest rate on your savings
- Get a tailored homebuying plan that breaks your journey into clear steps, so you know what to focus on when.
- When you’re ready to buy, start your mortgage journey straight from your app with Tembo’s award-winning mortgage service.

HOMESAVER
- Earn a market-leading savings rate on your cash, unlocked when you use our award-winning mortgage service.

FIXED RATE CASH ISA
- Lock your savings away for 12 months and earn a fixed interest rate.
- Add more funds later on to lock in for 12 months from the date they are added, at the rate available at the time.
- Save up to £20,000 per tax year

EASY ACCESS CASH ISA
- Earn 3x interest vs saving with the Big 4 banks - that’s hundreds more in interest!
- Withdraw funds whenever you need. No fees, no penalties.
- Your rate won’t drop when you make multiple withdrawals or when your balance falls too low (unlike other providers)
- Save up to £20,000 per tax year

Your homebuying partner, all in one app:

- Free tools to help get you mortgage-ready, get a free Mortgage in Principle & more
- Find your best mortgage options from +100 lenders, backed by our Best Mortgage Deal Guarantee
- Track your progress to your house purchase with a tailored homebuying plan, or track an existing mortgage and get reminders when to remortgage
- Your own dedicated mortgage team, on hand from the first call to getting your keys.
- Free property reports to help you house hunt & offer with confidence
- Access to our panel of tried & tested conveyancers, surveyors & more

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH MORTGAGE PAYMENTS

Tembo HomeSaver: Includes 12-month introductory bonus rate + 1-year bonus rate for completing a mortgage through Tembo within 3 years. Save up to £20,000.

Tembo Fixed Rate ISA: Early withdrawals will incur a charge equivalent to 90 days’ interest on the amount withdrawn. Partial withdrawals from a Tembo Fixed Rate ISA are restricted.

Tembo LISA: Must be 18-39 to open a LISA, and it must be open 12+ months to use for a first home purchase (up to £450k). Withdrawals from a Lifetime ISA for any purpose other than buying a first home or for retirement (60+) incur a 25% government penalty, meaning you may get back less than you paid in. Market-leading defined as having the best LISA rate, excluding intro offer periods.

Tembo Stocks & Shares LISA: Capital at risk. Past performance is not a guide to future returns. You could get back less than you put in.

Best Mortgage Deal Guarantee and fee-free mortgage advice subject to terms and conditions.

Tembo is a trading name of Tembo Savings Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 928010) and registered as an account information services provider (FRN: 913654). We are a private limited company registered at 18 Crucifix Lane, London, SE1 3JW, with registration number 12008146.