Tembo - Savings & mortgages

Landa i-Tembo - uhlelo lokusebenza lokonga imali oluwine imiklomelo oluthenjwa yizinkulungwane, olwenzelwe ukukusiza ufinyelele imigomo yakho ngokushesha. Njengoba kubonakala ku-The Guardian, Sky News, BBC nokuningi.

- Thenga ikhaya lakho lokuqala ngokushesha nge-Lifetime ISA yethu ehamba phambili emakethe
- Amanani enzalo ancintisanayo kubo bonke, akusiza wonge igxathu lakho elilandelayo
- Londoloza indlela yakho ngohlelo lokusebenza olwakhiwe ngokucabangela wena. Faka imali noma ukhokhe njalo ngenyanga, landelela intuthuko yakho, kanye namathiphu ochwepheshe!
- Amathuluzi wamahhala okukusiza ukuthi ulungele imali mboleko yendlu. Qhathanisa amanani abukhoma avela kubabolekisi bemali mboleko yendlu abangu-+100, thola uhlelo lokuthenga indlu oluhlelwe ngokwezifiso noma ulandelele imali mboleko yendlu ekhona.
- Iseluleko semali mboleko yendlu esinobungcweti, samahhala esivela kuMthengisi Wemali mboleko Yendlu Ohamba Phambili wase-UK
- Iphephile futhi ivikelekile. Imali yakho eyongiwe ivikelwe yi-FSCS (i-Financial Services Compensation Scheme).
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Khetha kusuka kuhlu lwethu lwama-akhawunti okonga e-ISA ancintisanayo:

- I-ISA Yokuphila Konke Ehamba Phambili Emakethe
- I-HomeSaver
- I-ISA Yezinga Elingaguquki Yonyaka O-1
- I-ISA Yokufinyelela Okulula Yemali
- Amasheya Namasheya I-ISA Yokuphila Konke

I-ISA Yokuphila Konke Ehamba Phambili Emakethe:
- Khulisa idiphozithi yakho yendlu ngebhonasi kahulumeni engu-25%, kuze kufike ku-£1,000 ngonyaka wentela.
- Thola izinga lenzalo elihamba phambili emakethe ekongeni kwakho
- Thola uhlelo lokuthenga ikhaya oluhlelwe ngokwezifiso oluhlukanisa uhambo lwakho lube yizinyathelo ezicacile, ukuze wazi ukuthi yini okufanele ugxile kuyo nini.
- Uma usukulungele ukuthenga, qala uhambo lwakho lwemali mboleko yendlu ngqo kusuka kuhlelo lwakho lokusebenza ngensizakalo yemali mboleko yendlu kaTembo ewine imiklomelo.

I-HOMESAVER
- Thola izinga lokonga elihamba phambili emakethe emalini yakho, livuliwe uma usebenzisa insizakalo yethu yemali mboleko yendlu ewine imiklomelo.

I-ISA YEMALI ENGENGUQUKO EQHUBILE
- Valela imali yakho oyilondolozile izinyanga eziyi-12 bese uthola izinga lenzalo eliqinile.

- Engeza imali eyengeziwe kamuva ukuze ungene izinyanga eziyi-12 kusukela ngosuku ezifakwa ngalo, ngesilinganiso esitholakala ngaleso sikhathi.
- Londoloza kufika ku-£20,000 ngonyaka wentela

UKUFINYELELA KULULA IMALI ISA
- Thola inzalo ephindwe kathathu uma uqhathanisa nokonga ngamabhange amakhulu amane - lokho kungamakhulu enzalo!
- Khipha imali noma nini lapho uyidinga. Azikho izimali, azikho izinhlawulo.
- Izinga lakho ngeke lehle uma ukhipha imali eningi noma uma ibhalansi yakho yehla kakhulu (ngokungafani nabanye abahlinzeki)
- Londoloza kufika ku-£20,000 ngonyaka wentela

Umlingani wakho wokuthenga indlu, konke kuhlelo lokusebenza olulodwa:

- Amathuluzi wamahhala okukusiza ukuthi ulungele imali mboleko yendlu, uthole i-Mortgage in Principle yamahhala nokuningi
- Thola izinketho zakho ezinhle kakhulu zemali mboleko yendlu kubabolekisi abangu-+100, abasekelwa yi-Best Mortgage Deal Guarantee yethu
- Landelela inqubekela phambili yakho ekuthengeni indlu yakho ngohlelo lokuthenga indlu oluhlelwe ngokwezifiso, noma ulandelele imali mboleko yendlu ekhona bese uthola izikhumbuzo zokuthi kufanele uyibuyisele nini imali mboleko yendlu
- Ithimba lakho le-mortgage elizinikele, likhona kusukela ekuqaleni kokushaya ucingo kuya ekutholeni okhiye bakho.

- Imibiko yezindlu yamahhala ukukusiza ukuthi ufune indlu futhi unikeze ngokuzethemba
- Ukufinyelela kuphaneli yethu yabathumeli bezindlu abahloliwe nabahloliwe, abahloli bezindlu nokuningi

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INDLU YAKHO INGASE ITHATHWE UMA UNGALANDELI IZINKOKHELO ZESIKWELETU

I-Tembo HomeSaver: Ifaka isilinganiso sebhonasi sokuqala sezinyanga ezingu-12 + isilinganiso sebhonasi sonyaka owodwa sokuqedela imali mboleko nge-Tembo zingakapheli iminyaka emi-3. Londoloza kufika ku-£20,000.

I-Tembo Fixed Rate ISA: Ukukhipha imali kusenesikhathi kuzokhokhisa imali elingana nenzalo yezinsuku ezingu-90 enanini elihoxisiwe. Ukukhipha imali okuyingxenye kwi-Tembo Fixed Rate ISA kunqunyelwe.

I-Tembo LISA: Kumelwe ube neminyaka engu-18-39 ukuze uvule i-LISA, futhi kumele ivuleke izinyanga ezingu-12+ ukuze isetshenziswe ekuthengeni indlu kokuqala (kufika ku-£450k). Ukuhoxiswa kwemali kwi-Lifetime ISA nganoma iyiphi injongo ngaphandle kokuthenga indlu yokuqala noma umhlalaphansi (60+) kuholela enhlawulo kahulumeni engu-25%, okusho ukuthi ungathola imali engaphansi kwalokho okukhokhile. Ohamba phambili emakethe kuchazwa ngokuthi unesilinganiso se-LISA esihle kakhulu, ngaphandle kwezikhathi zokunikezwa kwesethulo.

Amasheya Namasheya e-Tembo I-LISA: Imali esengozini. Ukusebenza kwangaphambilini akusikho umhlahlandlela wembuyiselo yesikhathi esizayo. Ungathola imali engaphansi kwalokho okufake.

Isiqinisekiso Sesivumelwano Semali Ebolekiwe Esingcono Kakhulu kanye neseluleko semalimboleko yendlu yamahhala ngaphansi kwemigomo nemibandela.

I-Tembo igama lokuhweba le-Tembo Savings Limited, eligunyazwe futhi lilawulwa yi-Financial Conduct Authority (FRN: 928010) futhi libhaliswe njengomhlinzeki wezinsizakalo zolwazi lwe-akhawunti (FRN: 913654). Siyinkampani yangasese elinganiselwe ebhaliswe ku-18 Crucifix Lane, eLondon, SE1 3JW, enenombolo yokubhalisa engu-12008146.