Tembo - Savings and mortgages

Tembo - the award-winning money app helping you save smarter and reach your goals faster. As seen in Financial Times, The Guardian, BBC & more. Why Tembo? • Award-winning & trusted by homebuyers, homeowners and savers. • Save faster with our market-leading Lifetime ISA - earn £500+ more interest over 5 years vs the nearest competitor. • Boost savings with our ISAs: earn 2.7× more interest than the UK’s biggest banks with our Easy Access Cash ISA, or lock in a top rate with our Fixed Rate Cash ISA. • For mortgage-ready savers, HomeSaver™ lets you earn a high rate and build a bonus for your mortgage journey. Plus get fee-free, whole-of-market mortgage advice worth up to £749. Safe & Protected Your savings are FSCS-protected up to £85,000. Tembo is backed by leading businesses including Aviva and Nationwide. Choose from our range of savings accounts CASH ISAs Easy Access Cash ISA • Save up to £20,000 each tax year, tax-free. • Earn 2.7× more than the Big 4 banks • Withdraw anytime, no fees • Open with £10 • Earn 4.1% AER (variable) Fixed Rate Cash ISA • Earn a guaranteed 4.30% AER for 12 months, tax-free. • Save up to £20,000 annually • Fixed return regardless of market changes • Add extra deposits and fix them for 12 months at the rate available when added LIFETIME ISAs Boost your first-home deposit with a 25% government bonus — up to £1,000 free each tax year. Cash Lifetime ISA • Market-leading 4.1% AER (variable) interest rate • Earn £500+ more over 5 years vs the closest competitor • Track daily interest, paid monthly Stocks & Shares Lifetime ISA • Ethical ESG fund option • Returned 12% last year • No monthly fee — just 0.35% platform + 0.17% fund fee GENERAL SAVINGS Tembo HomeSaver™ • Earn 5.5% AER (variable) when using our award-winning mortgage service. • Designed to help you get mortgage-ready • Best mortgage deal guarantee: if you find a cheaper like-for-like mortgage, we’ll pay the lower of your accrued bonus or the cost difference over the fixed term* • Fee-free mortgage advice (worth up to £749) • A dedicated team from the first call to getting your keys • Tools to get mortgage-ready: compare rates, free Mortgage in Principle & more Ready to save smarter? Download the Tembo app today. —---------------- Rates accurate Nov 2025, subject to change. Your home may be repossessed if you do not keep up with your mortgage payments. Tembo HomeSaver: Save up to £20,000. Earn 5.5% AER (Variable): 3.00% AER (Variable) + 2.5% gross (Fixed) 1-year conditional bonus for getting Tembo mortgage advice within 3 years. Best mortgage deal guarantee: If you find a cheaper like-for-like mortgage than the deal we advise, we’ll pay the lower of your accrued HomeSaver bonus or the cost difference over the mortgage’s fixed term (max £500). Claim within 72 hours of offer. T&Cs apply. Cash ISA figures based on saving £100 monthly for 5 years; see month 61 comparison vs Barclays, HSBC, NatWest, Lloyds - Tembo earns £428.47 more. Cash Lifetime ISA figures based on £1,000 saved annually for 5 years; see month 61 comparison vs next-best provider - Tembo earns £582.07 more. Ineligible withdrawals may return less than paid in. Stocks & Shares LISA: Capital at risk. Past performance is not a guide to future returns. Based on BlackRock MyMap 5 Select ESG Fund (13% in 2021, –13.3% in 2022, 12.3% in 2023). Tembo, Tembo Cash ISA, Tembo Lifetime ISA, Tembo LISA are trading names of Tembo Savings Limited, which is authorised & 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. Tembo is a registered trade mark of Tembo Savings Limited (12008146) (TM Reg No UK00003263387).