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SAGA MORTGAGES

Saga have partnered with Tembo to help you remortgage, buy a new home or simply help a loved one.

Saga Mortgages

Saga has partnered with specialist mortgage broker Tembo Money, to provide our customers with a mortgage advice service. The service gives you access to expert advice across over 100 lenders including a wide range of products to help you finance your home.

What lenders will you get access to?

You will have access to "whole of market" mortgage advice. This means over 100 different lenders and 20,000 products will be considered to find you the most suitable and best priced option available for you.

This will include all of the high-street lenders like HSBC, Natwest, Halifax and Barclays as well as smaller specialist lenders and building societies such as Metro Bank, Livemore, Skipton Building Society, Kensington and Generation Home.

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Remortgaging

Help and advice on how to remortgage.

Find out more
A grandfather carrying his grandson in the air as they play with a toy airplane

Retirement Interest-Only

Borrow into later life through a Retirement Interest-Only mortgage.

Find out more

How much will I be able to borrow?

There are a range of different factors that are used to determine the amount you can borrow depending on your income, expenditure, credit history, age, personal circumstances and property type.

As a rule of thumb, for a standard repayment mortgage you could borrow up to around four and a half times your income. Some lenders go up to five and a half times but there can often be stricter criteria on deposit size and credit score.

Please be aware that your home may be repossessed if you do not keep up payments on your mortgage.

The quickest way to get a more accurate estimate of how much you could borrow is by completing the digital fact-find.

Important information

Saga is a registered trading name of Saga Personal Finance Limited, which is registered in England and Wales (company number 3023493). Registered office 3 Pancras Square, London, N1C 4AG. Saga Personal Finance Limited is authorised and regulated by the Financial Conduct Authority under the registration number 178922. 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 Banking Awards in 2022 and 2023.