Compare 95% LTV mortgage rates & deals

Other lenders do offer 100% mortgages, but these are usually require a guarantor to support the application, usually using their savings or property. Take a look at Savings as Security mortgages, or the Tembo Deposit Boost on our website to learn more.

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.

Most lenders will let you borrow between 4 and 4.5 times your annual household income. On a joint income of £60,000, that is typically £240,000 to £270,000. However, specialist schemes such as Income Boost mortgages, Professional mortgages and 5x Income mortgages can allow eligible buyers to borrow up to 5.5 or 6 times their income. On average, Tembo customers increase their buying budget by £82,000 by comparing their eligibility over 20 specialist buying schemes, as well as over 20,000 mortgages from familiar high street names across the market. Your actual borrowing limit depends on your income, deposit, credit history, and outgoings.