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 or want to maximise your savings, we’ve got you covered.
Why Tembo?:
Award-winning app trusted by thousands of first-time buyers.
Save your way using an app that’s built with you in mind. Top up on the go or pay in monthly, track your progress towards your goals, calculate your time to buy, plus expert tips & webinars!
Expert mortgage advice – fee-free through our award-winning mortgage service. That’s a saving of up to £749!
Safe and secure. Your savings are protected up to £85,000 under the Financial Services Compensation Scheme
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Our competitive Cash ISA:
Save up to £20,000 each tax year for whatever you want
Earn 4.8% AER - 2.9x higher interest vs saving with the Big 4 banks - that’s over £500 more in interest alone!
Withdraw funds whenever you need. No fees, no penalties.
Simple terms with no nasty surprises. Your rate won’t drop after 12 months, when you make multiple withdrawals or when your balance falls too low (unlike other providers)
Watch your interest grow daily, and we’ll pay out monthly
LIFETIME ISAS
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 4.8% AER (variable) interest rate on your savings
No gimmicks and no introductory rates
Earn over £800 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, only pay our 0.35% platform fee and 0.17% fund provider fee.
Our ultimate mortgage package:
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
Ready to save smarter and get your keys faster?
Tembo – The mortgage & savings app designed for first-time buyers.
Download the app now to start your journey to homeownership.
Rates accurate Jan 2025, subject to change. Market-leading defined as having best Lifetime ISA rate, excluding introductory offer periods.
Your home may be repossessed if you do not keep up with your mortgage payments.
Tembo Cash ISA: Based on saving £100 monthly for 5 years. Calculations show at month 61 Tembo customers saving at 4.8% would have £527.84 more vs saving with Barclays, HSBC, NatWest or Lloyds.
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.
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 Cash ISA, 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).