Your Home Buyers Toolkit From Loqbox And Tembo

Your money
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One of the first things to consider when planning to buy a home is understanding what you’ve got to work with in terms of your finances. Knowing where you’re at with your money can help you set realistic goals and craft a budget that’s right for you. Ask yourself:

How much do I need to save each month to build a big enough house deposit?
What property price can I realistically afford, and what mortgage options are available to me?

Your moves
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Brushing up on your financial literacy is the next thing. What do we mean by financial literacy? Basically, it’s your ability to understand the system (and its jargon) to make informed decisions about your finances. It can be a good idea to fill any gaps in your knowledge as you set out on your home-buying journey. Check out our house-hunting lingo library in the resources section here (so you don’t have to look much further to figure out what mortgage-in-principle means).

Mathew Gay,
The Quid Squid

“The best thing I did when saving up to buy my home was budgeting. Knowing exactly how much money I had coming in, as well as where my money was going, built my confidence and allowed me to save even more for my deposit. But budgeting is difficult, right? Actually, it’s easier than you think! There are many apps that help you monitor your spending, as well as budget templates created by people like me to help you save money. And trust me, when you’re juggling all the bills that come with owning a house, you’ll be grateful you have a budget!”

Build financial know how with Loqbox Take the first step with Tembo

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.

Your home may be repossessed if you do not keep up repayments on your mortgage. For a standard mortgage or remortgage, Tembo charge £499, and for a more complex mortgage (Boost, adverse credit, equity transfer) Tembo charge up to £749. These represent their typical fees, but your Tembo adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee they charge will never be more than 1% of the mortgage loan.

Your vision is set, so now it’s time to get practical.

If you’re dreaming about buying your first house or flat, a strong credit history is key. There’s no minimum credit score that will guarantee you a mortgage, but your credit report will play a big part in whether you’ll be approved for one.

Mortgage providers check your credit report to decide:

✔ If you’re mortgage-worthy.
✔ How much cash they’ll loan you.
✔ What interest rates to offer you.

Bear in mind that mortgage lenders also factor in lots of other things — like how much you earn, your age, and the size of your deposit — when they make decisions.

Get credit-check confident

Your credit report contains information about you and your financial behaviour. This includes any credit you’ve had previously on things like credit cards, as well as loans and mortgages.

In the UK, the three main credit reference agencies (CRAs) are Equifax, Experian and TransUnion. You can check your report for free using the following services:
‍• Clearscore
• Experian App
• Intuit Credit Karma‍

‍‍When looking at your three credit reports, check if you have any incorrect or differing personal information (like your address history) between the three. These differences can damage your chances of getting credit, so correct any mistakes. If you notice any, check out our blog post on how you can fix mistakes them.

3 ways to grow your creditworthiness

By building your credit, you can start ticking the right boxes and feel more confident about making your mortgage application.

Make yourself visible to the system (if you aren’t already) by contacting the CRAs to ask them to create a report for you or by getting on the electoral roll.
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Practise smart credit utilisation by spending less than 25% of your credit limit if you have a credit card.
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Join Loqbox: Build credit, the easy way with simple credit-building tools.

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Dropped my credit utilisation from 30% to 7%.

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In a short period I got about 300 points. I would recommend Loqbox to everyone who wants to boost their credit score.

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My credit score was below 300

Within three months of joining Loqbox it has gone above 500 and still going higher!

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Improvements to your credit score are not guaranteed.

Dreaming of owning your own home? Turn that dream into a reality by setting your deposit goal.

1. Work out how much to save
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Instead of saying, “I want to own a home one day”, get specific. For example: “I want to save a £20,000 deposit in the next 5 years so I can buy a two-bedroom home in the region of £180,000-£200,000".

Housing costs in the UK vary wildly depending on location. On average first-time buyers need a house deposit of £59,000 (£132,685 in London) to get on the property ladder. Typically, you’ll need to save between 10-20% of the value of the property, but if your credit history is strong, some lenders might allow you to buy with a 5% deposit. To work out how much to save, use online calculators or talk to a mortgage advisor, like Tembo.

Remember: A clear goal = a solid savings plan. You’ve got this!
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2. Review your budget

Open your banking apps, grab a pen and paper, and review your budget. Make some tweaks where you can to find more money to put towards your goal.

When was the last time you checked you’re actually using all those app subscriptions? Could you swap out buying lunch for bringing food from home? All of these adjustments can really add up to savings in the long-run.
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And remember, when you come to take out a mortgage, the lender will review your bank statements from the last three months when assessing if you can afford the mortgage. So pay particular attention to your spending then.

Luke Mellard, UK Commercial Director, Hastee

With deposit amounts so high today, a clear goal and manageable plan are critical. Remember to try and reward yourself as you go. It will take sacrifice and small treats along the way will keep you motivated. Make sure you’re taking advantage of the tools available to you. The UK is full of great fintech businesses aimed at saving you money and maximising your income. Your employer may offer financial wellbeing tools that will help and there are benefit calculation tools and apps to make sure you’re not missing out on tax breaks or additional income from government that could really boost the amount you can save.

Learn more

Your home may be repossessed if you do not keep up repayments on your mortgage.

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.

Make your savings work harder
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Saving for a home isn’t just about putting money away — it’s about making every penny count. Here are a couple of ways to supercharge your homebuying journey:

Get a government bonus to boost your deposit with Tembo’s Cash Lifetime ISA

If you’re aged 18-39, you could save up to £4,000 per tax year in Tembo's Cash Lifetime ISA and you’ll receive a government bonus of up to £1,000. Plus, you’ll earn a market-leading* 4.8% AER interest rate (variable) on top. Funds must be used towards your house deposit or retirement.

Boost your deposit with Tembo Tembo logo

Get into the habit of saving while building your credit with Loqbox

Loqbox members save £523 a year, on average. Saving with us helps you develop consistent habits by combining saving and credit building into one simple process. Small, consistent actions help you lay the foundations for a strong financial future.

Achieve your savings goal with Loqbox Loqbox logo

Tembo Cash Lifetime ISA
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 put in.

*Market-leading is defined as Tembo having the best Lifetime ISA interest rate excluding introductory offer periods. Rates are accurate as of January 2025, but are subject to change.

Loqbox
Improvements to your credit score are not guaranteed. Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.

Ola Majekodunmi,
All Things Money

"When it comes to saving for your house deposit, a Lifetime ISA (LISA) can be a smart way to boost your savings. You can save up to £4,000 per year, and the government will add a 25% bonus — up to £1,000 annually. It’s tax-free, and you can use the money saved for your first home costing up to £450,000! Starting early can help you maximise government contributions, alongside potential capital gains or paid interest depending on the type of Lifetime ISA you decide to open up. Before you open up a LISA, just remember, withdrawals for anything other than a first home or retirement before age 60 will incur a penalty!"

What is a mortgage?

A standard repayment mortgage is the most common way to buy a property. You’ll typically put down a deposit (around 10-25%) and borrow the rest from a lender, then pay off that loan, with interest, in monthly instalments.
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For example, say you borrow £200,000 to buy a house, and your mortgage loan will be repaid over 25 years. Based on a 5% interest rate, your monthly repayments will be £1,169.

Understanding mortgage offers

All mortgages have a “loan to value” ratio, or LTV. This refers to the amount of money you’ve borrowed on top of your deposit. Generally, the larger your deposit — or the lower your LTV — the lower your interest rate. While that can sound confusing, it’s actually simpler than you might think. Here’s an example of what two mortgage offers might look like on a £100,000 home:

You’ll notice that the interest rate is lower for the example mortgage with a lower LTV, e.g. bigger deposit. That’s because the smaller loan is a lower risk for the lender. This is why putting down as big a deposit as possible can be helpful.

Mortgage rates are applied to different LTV brackets. If you’re between two brackets, you’ll be offered rates for the higher LTV. For example, if you have a 7% deposit saved up, you’ll be offered rates for 95% LTV deals (5% deposit), not 90% LTV deals (10% deposit).

Top tip: When looking at mortgage offers, bear in mind that you might not get the advertised rate. Lenders will also consider your creditworthiness and affordability when you apply.

Researching your mortgage

If you’re shopping around, heads up — “hard” credit checks, where lenders pull your full credit report, can affect your score. If you’re denied and keep reapplying for credit, it can make future approvals trickier. The good news? The CRAs know the game, so multiple checks within 45 days are treated as a single inquiry for mortgages.

If you want to avoid a hard check, but want to see what live rates and products you could be eligible for, try getting a mortgage-in-principle with Tembo. It’s an estimate of how much you’re likely to be able to borrow, based on information you give about your affordability, such as your salary and monthly outgoings. It doesn’t require a “soft” check, so you can get an idea of your chances without damaging your credit score.

Do note that as no soft or hard check is run at this stage, it’s important to self-disclose any issues you’re aware of. They’ll flag up later in the process, and it’s good for your advisor to be aware of any credit issues as early as possible.

Take the first step with Tembo

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost. Your home may be repossessed if you do not keep up repayments on your mortgage.

For a standard mortgage or remortgage, Tembo charge £499, and for a more complex mortgage (Boost, adverse credit, equity transfer) Tembo charge up to £749. These represent their typical fees, but your Tembo adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee they charge will never be more than 1% of the mortgage loan.

There’s help out there

The world of home-buying can feel overwhelming at first, and you wouldn’t be alone if a mortgage calculator showed you a number that’s a lot lower than what you’ve been looking at on Rightmove. The good news is, there are ways to increase your affordability, deposit, or to help you buy sooner.

We’ve listed a few of those here, but if they make your head spin, don’t worry. An entire industry exists to help you find the right mortgage — you’re not expected to become an expert overnight!! Whether you speak to the team at Tembo, or another provider, you’ll have a regulated mortgage expert by your side to help you navigate the market and find ways you could buy sooner.

1. Shared ownership
Shared ownership (or a part-buy, part-rent scheme) is a popular government-backed scheme which is particularly popular for people on lower incomes, or those who are buying in expensive areas (hello, London). The scheme allows first-time buyers to purchase a share in their dream home (usually 5-25% of the full property value), and then pay rent on the rest. You can also choose to buy more or all of the house in the future, which is called “staircasing”.

2.First home scheme
First-time buyers can buy a property at 30-50% of its market value with this scheme. But only if it’s their main residence and either a new build built by a developer, or a home previously owned by someone who bought it with the same scheme. The discount is only available to first-time buyers and is valued by an independent surveyor but you can save a great deal of cash. The catch is that you must sell your house at the same discount, normally to an eligible first-time buyer.

Make a plan with Tembo

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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For a standard mortgage or remortgage, Tembo charge £499, and for a more complex mortgage (Boost, adverse credit, equity transfer) Tembo charge up to £749. These represent their typical fees, but your Tembo adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee they charge will never be more than 1% of the mortgage loan.

Let’s be real: House prices may have decreased slightly, but when you’re juggling rising living costs, changing inflation rates and the ever-changing housing market, buying your first home can feel like an impossible dream. But at Tembo, we’re here to make home happen, even when it feels impossible.
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We’ll help you explore alternative and affordable ways to buy your first home if you’re not in the position to obtain a mortgage “in the traditional way” (aka the standard repayment mortgage), or if you can’t borrow the amount you’d hoped for. Whether you’re looking to boost your deposit, team up with loved ones, or maximise your income potential, we’re about finding solutions that work for you.
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Here are a few options to consider:
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Income Boost mortgage
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If you have a deposit saved, but you don’t earn enough to get the mortgage borrowing you need, an Income Boost mortgage — also known as a Joint Borrower Sole Proprietor mortgage (JBSP) — could help. This option lets a friend or family member add some or all of their income to your mortgage application to boost your borrowing potential. They act as a guarantor, so they won't be an owner or hold any equity in the property; but if you miss any of your repayments, they will be required to step in.

Deposit Boost mortgage

‍Deposit Boost mortgages are a way for a family member or friend to unlock money from their property and gift it to you. The equity released from their home can be used as your deposit, or added to your existing pot to boost your overall deposit value. This can increase your mortgage affordability, helping you buy your first home.
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Find out more about deposit boosts.
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Savings as Security (springboard) mortgage

‍Savings as Security mortgages, also known as a “Springboard Mortgage”, allow a family member to help you onto the ladder without gifting you a deposit in the traditional sense. Instead, they put their savings into a designated account offered by a mortgage lender. If you make all your mortgage payments on time, your family member will get their savings back at the end of an agreed term, plus any accrued interest.

Higher lending schemes

If you don’t have family who could help you get on the ladder, there are other options out there. If you’re a key worker, work in a professional field (think doctor, vet, accountant), or earn a higher than average wage, you could borrow 5x your income for a mortgage or more.

There are also new build initiatives like Deposit Unlock, which lets you purchase a newly built home with only a 5% deposit. Or 100% mortgages that use your track record of paying rent on time to prove you can afford a mortgage — without needing a deposit.

All of these schemes have different eligibility criteria, so it’s worth seeking expert mortgage advice to find out which ones are right for you before applying.
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This list certainly isn’t exhaustive. Tembo’s team of specialist mortgage brokers can help you find the right option for you.

Explore your options with Tembo

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.
Your home may be repossessed if you do not keep up repayments on your mortgage.

For a standard mortgage or remortgage, Tembo charge £499, and for a more complex mortgage (Boost, adverse credit, equity transfer) Tembo charge up to £749. These represent their typical fees, but your Tembo adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee they charge will never be more than 1% of the mortgage loan.

1 . Decide what you want
Time for the fun part! Picture your dream home, and put together a list of your wants and needs. It’s important to ask yourself some big questions at this stage, things like:

What compromises am I willing to make, and what’s non-negotiable? Try to rank what’s most important for you. For example, you might have to choose between a central location or a place with a garden and space to host a cracking summer BBQ.
Do I want a new build, or a fixer-upper with heaps of potential? Consider if you have the money to get the work done, or the skill to do it yourself.

Then, search for properties online to see what’s available within your budget and understand the costs. It’s all about turning daydreams into real plans — because the first step to achieving your goal is knowing exactly what you’re looking for.

2. Make a plan

‍You might find it helpful to get a “mortgage-in-principle” before you start searching for a home. This is a certificate you can get from your potential mortgage advisor (or provider) that shows how much they might be willing to lend you.

Understanding your mortgage options now could save you time (and headaches) when it’s time to apply.

3. Begin your search

‍At last, it’s time to start house hunting. Search online and speak to local estate agents. When viewing properties, stay curious:

Ask questions like, “How old is the boiler?” and “What are the neighbours like?”
Try not to let excitement stop you from noticing potential issues that could cause you problems later on.
Consider inviting a trusted friend to join you to give a second opinion.
Take lots of photographs and videos.
Don’t let the agent rush you! A second viewing isn’t always possible, so take your time.

Take the first step with Loqbox Tembo logo

Watch this video from Tembo for more even more things to add to your house viewing checklist:

Make a plan with Tembo

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost. Your home may be repossessed if you do not keep up repayments on your mortgage. For a standard mortgage or remortgage, Tembo charge £499, and for a more complex mortgage (Boost, adverse credit, equity transfer) Tembo charge up to £749. These represent their typical fees, but your Tembo adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee they charge will never be more than 1% of the mortgage loan.

Step 1. Making an offer

Timeline: 1-3 days
Found “the one”? Time to make your move! Send your offer to the agent in writing (email is fine). Don’t rush to offer the full asking price — haggling is all part of the game! Play it cool — don’t let the agent know you’re head over heels. Remember, they work for the seller, and a higher offer equals a higher commission (fee) for them.
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Set yourself a maximum offer, and stick to it. Increase in small steps (5%-10%) if needed. If your offer is declined, stay calm and negotiate or submit your “best and final” — e.g. highest possible — offer. Always remember that unless you have a bit of extra deposit to put down, a higher offer means an increase in your monthly repayments, and could tip you into a different LTV bracket, so check in with your mortgage advisor.

Step 2. Offer accepted? Time to apply for your mortgage

Timeline: 2-6 weeks
Applying for a mortgage takes around two to six weeks, depending on how quickly you can share your documents. To speed things up, work with a mortgage broker and get your paperwork ready in advance. You might decide to get life and income protection insurance so that you can be confident you can keep up with payments, whatever happens.
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A mortgage underwriter will review your documents and arrange a valuation to confirm the property’s worth. Stay organised to keep things moving.

Step 3. Conveyancing (aka “The legal bit”)

Timeline: 8-12 weeks
When picking a solicitor, ask about their timelines. A period of eight to 12 weeks is common — you can often get started while your mortgage agreement is being processed.

Step 4. Exchange of contracts (aka “Making it official”)

Timeline: 4 weeks
Once contracts are signed by you and the seller, and exchanged, the property transaction becomes legally binding.

Step 5. Completion

Timeline:1-2 weeks
Your completion date is the day your payment is transferred to the seller’s solicitor and you can pick up the keys to your new home. You’ll agree the date with them: one to two weeks after the exchange of contracts is typical, giving you both time to plan the move.

Step 6. Move into your new home!

Timeline:1-3 days
You’ve made it! You’re officially a homeowner. It’s time to celebrate.

Take the first step with Tembo

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost. Your home may be repossessed if you do not keep up repayments on your mortgage. For a standard mortgage or remortgage, Tembo charge £499, and for a more complex mortgage (Boost, adverse credit, equity transfer) Tembo charge up to £749. These represent their typical fees, but your Tembo adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee they charge will never be more than 1% of the mortgage loan.

When your current mortgage deal comes to an end, it’s time to remortgage. Check your mortgage offer for the expiry date, or ask your lender or broker to be sure you don’t leave it too late and fall onto your lender’s Standard Variable Rate (typically much higher than fixed rates). Start searching up to six months before your deal ends to secure the best rate. With Tembo’s rate-checking service, you can apply up to six months before your current deal ends. If rates fall, contact your advisor and they’ll reapply for you with no charge to lock in the lower rate.

Why remortgage?

Because your term is ending!
Lower rates: If you’re paying a Standard Variable Rate (SVR), switching to a fixed-rate mortgage can cut costs. For example, the average SVR is 7.96%, compared to 5.07% for a 5-year fixed-rate.
The value of your home has increased: If your property has gone up in value or you’ve paid a chunk off your mortgage balance since you last applied, you could get access to lower mortgage interest rates.
To add or remove someone from the mortgage: This is known as a transfer of equity. If you’re removing another borrower, the lender will first check if you can afford to pay the mortgage on your own. If you’re adding someone, they’ll go through the credit check process too.
Improved credit: If your credit score has improved since you last took out a mortgage deal, you could be offered better interest rates than when you previously applied if you remortgage.

How to remortgage

If you’re staying with the same lender: Log into your account, choose a new rate, and switch when your current deal ends. Or, if you want support from an expert, you can ask them to help you with this process. It’s called a “product transfer”.
If you want to switch lenders:
1. Apply for a new mortgage with financial details and supporting documents.
2. Undergo a property valuation.
3. Appoint a solicitor to manage paperwork and transfer the mortgage.

Work with expert brokers at Tembo to find the best mortgage rates for you. Your dedicated Tembo advisor will also walk you through every step to make remortgaging as smooth as possible.

Get advice from Tembo

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.
Your home may be repossessed if you do not keep up repayments on your mortgage.

For a standard mortgage or remortgage, Tembo charge £499, and for a more complex mortgage (Boost, adverse credit, equity transfer) Tembo charge up to £749. These represent their typical fees, but your Tembo adviser will let you know at the outset if a different fee structure is applicable to your situation. The maximum fee they charge will never be more than 1% of the mortgage loan.

Okay so, you’ve done the thing, you’ve reached your goal and bought a property. First things first — congratulations! We hope you feel proud of your achievement.

Staying financially secure as a homeowner

You’ve done the work to get to this point so now it’s about staying consistent with those habits which helped you get here in the first place. Here are a few key tips to consider now that you’re a homeowner:

Make your mortgage a priority: Each time you get paid, the first thing you might want to do is cover your mortgage repayment. This is also a good time to pay your bills, insurance and put away savings — which brings us to our next point.
Save an emergency fund: Rainy days happen, boilers break, jobs end… It’s important to be able to cover yourself when unexpected expenses come at you. We suggest saving around three to six times your monthly expenses as a starting point. The Tembo Cash ISA is a great place to start: save up to £20,000 tax-free each year and earn 4.8% AER (variable) on your savings. Plus, with instant, unlimited withdrawals, your money is always close at hand.
Maintain a strong credit report: Staying on top of your mortgage and your bills will naturally help improve your creditworthiness, which in turn could help you access better rates for credit cards and your mortgage when your deal ends.

If you’re ready to harness the power of great financial habits, join Loqbox to build your credit the easy way.

Improvements to your credit are not guaranteed.

Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.

Tax-treatment depends on individual circumstances and may be subject to change in the future. Withdrawals usually take place the same working day if requested before 2pm, or the next working day if after 2pm. Tembo Cash ISA is not flexible, any funds withdrawn and redeposited within the same tax year may count towards ISA allowance twice.

Making it your home

Now the moving boxes are in, it’s time to transform your new house into a home. Here are some costs to plan for:

Get your bills sorted: Think broadband, utility bills and council tax. The boring, but necessary stuff.
Change your address: Update your bank accounts and bill providers to avoid missed payments. Find out how this could affect your credit here.
Plan for the essentials: Don’t let small fixes become big headaches — get your boiler serviced and handle the little repairs early.

Make it cosy: Forget Pinterest-perfect. Focus on small, personal touches like hanging pictures or adding new cushions to make it feel like home.

Achieve financial freedom with Loqbox

Edoardo Moreni, the Co-founder & CEO of Emma.

Stay on track with smart money management when buying a home. Start by reviewing your finances and setting 6-12 month goals:

Reassess your income and expenses to include new costs like mortgage payments and maintenance.
Plan ahead by setting realistic savings goals for furniture or an emergency fund.
Be honest about spending habits and find areas to cut back, ensuring you have extra cash on hand.

With the Emma app, you can track spending patterns, set savings goals, and create automated budgets to stretch your income further.

Learn more

Lingo Library

Mortgage-in-principle: A formal indication of how much you could borrow for a mortgage based on the financial information you’ve provided.
Affordability: This is a measure of what you can afford to borrow for a mortgage and comfortably repay each month, alongside any other debts you already have, your household bills and living expenses.
Downpayment: Another word for your deposit, this is the initial payment you make when purchasing a home using a mortgage loan.
Chain-free: You can purchase (or sell) a property without needing another property transaction to happen first. If you’re a first-time buyer, you are chain-free, which is a huge advantage!
Stamp Duty Land Tax: A tax that is paid when purchasing property over a certain value which can make buying more expensive.
Conveyancing: The legal process of buying, selling or remortgaging a property which needs to be handled by a solicitor.
Exchange of contracts: The point where the buyer and seller (through their conveyancers) swap contracts to sign.
Under offer: When the offer has been accepted by the seller but the sale is yet to be finalised.

Louise Bastock, Editor

It’s easy to get laser-focused on saving for your deposit, and forget to prep your post-purchase finances. You now have a mortgage and bills to juggle, furniture to buy, renovations to fund. Not to mention all the unexpected costs. In my second year of home ownership my washing machine, fridge, boiler and bathroom plumbing all decided they’d had enough!

‍‍Alongside your deposit, save into an easy-access savings account so you have funds readily available. I found it helpful to get really granular with my savings after I bought my property, using digital banking apps to separate them into specific pots for “furniture”, “bills”, “decorating”, or “unexpected repairs”.

Handy guides from Loqbox

Buying a home, made easy
‍

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What credit score do I need to buy a house?

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8 tips for your ‘first time buyer’ savings

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How much does it cost to move house?

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Practical tips from Tembo

Guide to deposits

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Mortgage calculator

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Stamp Duty calculator

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How to get a bigger mortgage

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Loqbox may receive a commission from Tembo if you go on to use their service. This will not impact the service you receive from them or incur additional cost.

Home buyers’ toolkit

Make buying a home feel easy with Loqbox and Tembo

It’s official: Your journey to homeownership starts now!

Buying a home in 2025: The lowdown

Housing market trends to watch this year*

Our tips for navigating the 2025 housing market

Important note: We’re not financial advisors here at Loqbox, but we believe that understanding today’s housing market could help you make smarter decisions on your home-buying journey.

Now it’s time to dive into your toolkit. Ready to make your dream home a reality? Let’s go.

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