NEW: mortgage rate tables, affordability calculator and more!

Everything you need to help you on your mortgage journey

After months of planning, we’re excited to announce our new partnership with the award-winning mortgage broker, Tembo. 

We listened to you guys, our audience, when you told us you wanted more mortgage content and tools, and we think we’ve done even better! 

We’ve got a complete mortgage package for all of our readers, including:

• A mortgage affordability calculator to help you find out how much you could borrow and the monthly repayments you could expect to pay
• Live mortgage comparison tables so you can get the best rates in real time
• Helpful guides and articles from the Be Clever With Your Cash team, to help you get to grips with mortgages, whether you’re a first time buyer or are remortgaging
• Plus, free mortgage advice (worth up to £499*) from one of Tembo’s expert advisors when you take out a standard mortgage or remortgage

Mortgage affordability calculator

If you’re getting a mortgage or remortgage, the first thing you want to do is find out how much you can afford to borrow. And in a few clicks, our affordability calculator can do just that.

Enter a few details including your household income, your deposit and the property price, whether you’re self employed or employed and a couple of other bits, and you’ll get a solid estimate of what you could borrow, plus the monthly cost. 

You can then click through to ‘get a personalised rate’ which puts you in touch with Tembo, and you may discover you can borrow more.

Whether you’re just curious about how much you can borrow or you’re further along in your property purchase, our calculator is a brilliant tool to get you started.

Mortgage comparison tables

Our mortgage best buy tables show you the top mortgage deals in real time that are available to you, based on your circumstances. In a few seconds you can compare over 20,000 mortgages from over 100 lenders.

Again, just fill in a few boxes such as the mortgage type you’re after, the property value and your deposit, and you’ll be shown your top picks based on the lowest monthly cost (although you can filter by different measures).

You’ll then be given the opportunity to check your eligibility for the mortgage and can be connected to one of Tembo’s advisors.

We love this tool as it is always updated with the live rates, so you know what deals are available to you at any time.

Mortgage content

We’ll also be bringing you plenty of in-depth articles and videos on mortgages and the (expensive!) house buying process, to help you get financially prepared and to know more about what to expect. 

We’ve already covered the basics, on mortgages, remortgages and the hidden fees when it comes to buying a house. We’ve also explained more complicated topics like Stamp Duty, and revealed handy hacks like making the most of your Loan to Value ratio to save yourself thousands of pounds. 

You can find more articles on our dedicated mortgage hub.

Save up to £499* on mortgage advice 

If you’ve ever used a mortgage broker, you’ll know they can charge hundreds of pounds for their service.

A broker can be really helpful when you’re looking for a mortgage or if you’re remortgaging, as they can search the market for the best deals and help you choose the right mortgage for you, depending on your circumstances. 

Tembo usually charges a fee of up to £499 but if you go via Be Clever With Your Cash, this will be waived if you’re taking out a standard mortgage or remortgage. If you’re looking for something that’s a bit more complicated, like a buy-to-let mortgage or a mortgage including a guarantor, you may have to pay a fee. 

You’ll be able to access this deal via our affordability calculator and our mortgage comparison tables (more on these below).

We’re really excited to be able to offer this deal to our readers and save them hundreds of pounds when getting mortgage advice. 

Why are we working with Tembo?

We’re fussy about who we partner with and we only work with companies who impress us with their products and service. And we’re pleased to say Tembo ticks all the boxes. 

We’re not the only ones who think so, either. Tembo’s been voted Best Mortgage Broker at the British bank awards four times in a row and they’re also rated 4.98 out of 5 on our sister site, Smart Money People, both of which are based on reviews from real customers.

Important

*Your home may be repossessed if you do not keep up repayments on your mortgage. Be Clever With Your Cash may receive a payment from Tembo Money if you complete a mortgage through the link provided. This will not affect the amount you pay for the service.

This broker fee discount of up to £499 is applicable for standard mortgages and remortgages only, more complex cases including guarantor, buy-to-let, adverse credit, and equity transfer may be liable for a fee. The fee you are required to pay will be clearly outlined by your adviser prior to an application being submitted on your behalf. The offer does not cover any other potential fees that may arise during the mortgage process.

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. Tembo Money was awarded Best Mortgage Broker at the British bank awards in 2022, 2023, 2024 and 2025. Rates are not guaranteed and may change by the time you come to apply. Eligibility criteria may vary by lender.

Our calculator is only an estimate of how much you are able to borrow and does not constitute mortgage advice

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.