3.96% based on a 60% LTV, 2-year tracker rate mortgage. Rates are not guaranteed and may have changed by the time you come to apply. Eligibility criteria may vary by lender. Accurate as of 23 July 2026.

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The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.

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Frequently asked questions

They usually offer cheaper introductory rates than fixed-rate mortgages, meaning your monthly repayments could be lower. If the base rate falls lower still, you'll benefit from decreases during the course of your product term. Whereas if you had fixed, you could be stuck paying "over the odds" for the years remaining on your product term. Your rate will likely only change if the Bank of England changes the base rate, lenders can't change it outside of that.

If mortgage rates are low, or likely to fall in the near future, a tracker mortgage may be attractive. However, if mortgage rates rise, for example in response to the base rate rising, you’ll pay more each month. Despite predictions, we cannot guarantee that the base rate will remain the same or continue to fall. In general, we advise that borrowers should be comfortable with a rate rise of around 3% to the current live rate. Anyone who would find this stressful might find a fixed rate deal provides more security.

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Tembo is a multi-award winning savings & mortgage platform, on a mission to help first-time buyers, movers & remortgagers overcome the affordability gap. We’ve already helped thousands to save a deposit sooner and make home happen.

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AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year

Important to know

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

For insurance business we offer products from a choice of insurers. Tax treatment depends on individual circumstances and may be subject to change in the future. The 25% bonus and tax-free benefits of these accounts depend on government policy and tax rules, which can change at any time.

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Tembo Money Limited (12631312) is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and regulated by the Financial Conduct Authority under the registration number 952652. See full details of all claims and figures shown on this website at our Transparency page. You may have to pay an early repayment charge to your existing lender if you remortgage. Tembo typically charges a fee for its mortgage advice, payable on mortgage offer, which ranges from £499-£749.

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If you open a Tembo Stocks & Shares Lifetime ISA, the value of your investment could go up as well as down. Past performance is not a reliable indicator of future results, and your capital is at risk, meaning you could get back less than you put in. We do not provide investment advice, so please be sure that investing is right for you by making your own decisions or seeking advice.

Tembo, Tembo Savings, Tembo Cash ISA, Tembo Lifetime ISA, Tembo LISA and Nude are trading names 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.

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