About this source
Eddie Ross, co-founder of Tembo Money, walks first-time buyers through the UK mortgage market in 2026 — covering affordability realities, deposit-augmentation strategies, lender product innovation, and how to build a creditworthy profile before applying.
Frameworks extracted
5 totalFINmonths
The FTB Credit Health Stack
Build a creditworthy profile before you need it — from LISA to adverse credit hierarchy
FINdays
The 30% Housing Cost Rule
Your mortgage should not exceed 30% of net take-home — the leverage safety boundary
FINmonths
Family Deposit Engineering
Three mechanisms for converting family wealth into buying power without gifting it away
FINweeks
The True Affordability Audit
Your real borrowing power is not 4.5x income — discover the gap before the lender does
FINweeks
The FTB Market Timing Lens
Read three market signals before committing — rates, supply balance, price trajectory