Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | 4.34% | 4.59% | 4.99% |
| 5-Year Fixed | 4.24%Best | 4.49% | 4.89% |
| 2-Year Tracker | 5.64% | –% | –% |
| Standard Variable Rate (SVR) | 8.24% |
Buy-to-Let Mortgage Rates
Gen H does not offer buy-to-let mortgages through the broker channel.
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 4.19% | Cashback available |
| 5-Year Fixed Product Transfer | 4.14% | Cashback available |
About Gen H
Gen H (Generation Home) is a modern mortgage lender with a focus on helping first-time buyers and younger borrowers access homeownership. Their innovative Income Booster product allows family members to support a buyer's application without being on the mortgage deeds, increasing the amount borrowers can access without the legal complications of joint ownership.
Gen H is particularly well suited to first-time buyers who need a boost to their borrowing capacity but don't want a traditional joint mortgage with parents or family. Their lending criteria are designed around modern employment patterns including contractors and gig economy workers, and their digital-first approach makes the application process accessible and straightforward. Gen H does not currently offer buy-to-let mortgages.