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  • Get a mortgage
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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.

Get a mortgage

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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Retirement Interest-Only mortgages

Find out how you could borrow in later life with a RIO mortgage.

Find out more
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Remortgaging

Trust us to help you find the best deals when it’s time to remortgage.

Find out more
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Buy-to-Let mortgages

Are you looking to buy your first rental property to earn additional income in retirement?

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.

Mortgage calculator

A mortgage is one of the biggest commitments you'll make, and with so many choices it can be hard to work out which one is right for you. Our mortgage calculator will show what you could borrow - you just need to input some basic info, such as your income and what deposit you'd have.

Looking for ways to support your family?

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Income Boost

Use your income to boost the buying potential of your loved ones.

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Springboard Mortgages

Use your savings to lift a family member onto the property ladder.

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Deposit Boost

Release some money from your home to help a child or grandchild.

Here's what Saga Mortgages customers have to say

After having no luck in finding a mortgage with our usual mortgage broker and also with a company specialising in mortgages for the over 60's, we decided to give Tembo a try via Saga. What had started out as a stressful and worrying process was resolved quickly and efficiently. I cannot recommend them highly enough. It is unlikely we will move again, but, if we do, we will definitely use them again.

John

Here's what Saga Mortgages customers have to say

We were introduced to Tembo through SAGA, a trusted provider of several services. We found Tembo knowledgeable, friendly and efficient and quickly had an offer-in-principle set up at which point our case was taken over by Rebecca who patiently and diligently navigated the blizzard of personal data required by lenders these days and finally escalated the matter with the lender when their requests became obscure and super-detailed. For this alone, it was worth using Tembo who provided efficient, accessible, patient and professional advice throughout.

Sue and Brian

Here's what Saga Mortgages customers have to say

Saga Mortgages managed to sort a sensible mortgage for us in a speedy, professional and understanding manner. Thoroughly recommended! - for Saga Louts and youngsters alike!

Lance

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Explore second charge mortgages with Saga.

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Discover tracker mortgages with Saga Mortgages.

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Get peace of mind with a range of mortgage insurance options.

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Discover guarantor mortgages with Saga Mortgages.

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Important

Your home may be repossessed if you fail to repay your mortgage. Saga Money may receive payment from Tembo if you get a mortgage offer via the Saga Mortgages service. This will not affect the amount you pay for the service.

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.