Tembo - Saving & Homebuying

Make home happen with Tembo: the savings app built for first-time buyers
Getting on the ladder just got easier. Whether you’re building a house deposit from scratch or looking to maximise your savings, we’ve got you covered.

Why Tembo is the home for first-time buyers:

Market-leading savings products. Open an account with just £1. Save your way - top up on the go or pay in monthly

Award-winning app trusted by over 350,000 first-time buyers. Save with confidence using a savings app that’s built with you in mind

Expert mortgage advice – fee-free. Save up to £749 with fee-free advice through our award-winning mortgage service

Goal-driven savings. Calculate your time to buy, and track your progress. Plus expert tips & webinars

Safe and secure. Your savings are protected up to £85,000 under the Financial Services Compensation Scheme

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Our Lifetime ISA savings products

Boost your house deposit with a 25% government bonus of up to £1,000 each tax year. This could add up to a max bonus of £32,000.

Our market-leading Cash Lifetime ISA:

Earn the market-leading 4.75% AER (variable) interest rate on your savings
No gimmicks and no introductory rates
Earn over £750 more over 5 years vs closest competitor
See how much interest you’re earning daily, paid monthly

Our ethical Stocks and Shares Lifetime ISA:

Invest in a high-growth ESG fund, delivering 12% return over last year
Chosen for its ethical characteristics, it’s good for the planet too.
No monthly fee (unlike other providers). Instead, all you’ll pay is our 0.35% platform fee and 0.17% fund provider fee.

Our ultimate mortgage package:

Our award-winning mortgage service is fee-free for Tembo savers, saving you up to £749.

Advice from the UK’s Best Mortgage Broker as voted by our customers in 2022, 2023 & 2024
Your own dedicated mortgage team by your side, on hand from the first call to getting your keys.
Free property insight reports: 120+ data points to help you house hunt & offer with confidence
Access to our panel of experts, tried & tested conveyancers, surveyors and more
Tools to get you mortgage ready: Compare rates, get a Mortgage in Principle & calculate your Stamp Duty

How to open a new Lifetime ISA with Tembo

Install the Tembo savings app
Select ‘I don’t have a LISA’ during onboarding
Complete the steps to set up your LISA

How to transfer an existing Lifetime ISA to Tembo

Install the Tembo savings app
Select ‘I already have a LISA’ during onboarding.
We’ll have your money transferred from your current provider in as little as 10 days

Tembo – The saving & mortgage app designed for first-time buyers.

Download the app now to start your journey to homeownership

Market-leading defined as having best Lifetime ISA rate, excluding introductory offer periods. Rates accurate Dec 2024, subject to change.

Your home may be repossessed if you do not keep up with your mortgage payments.

Tembo LISA: The 25% bonus and tax-free benefits of these accounts depend on government policy and tax rules, which can change at any time. Ineligible withdrawals may return less than paid in.

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. Based on performance of Blackrock MyMap 5 Select ESG Fund, which delivered 13% return in 2021, -13.3% in 2022 and 12.3% in 2023. High growth defined as above 10%, the average stock market return as measured by the S&P 500 index

Tembo, Tembo Lifetime ISA, Tembo LISA and Nude are trading names of Nude Finance 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. Nude is a registered trade mark of Nude Finance Limited (12008146) (TM Reg No UK00003263387).