Mortgages

Gen H Mortgages

Access Gen H's innovative mortgage products through Doulton Bridging Finance. Income boosters, deposit boosters, and creative solutions for modern borrowers.

Innovative Mortgage Provider

Rethinking how mortgages work

Gen H is redefining the mortgage market with products that tackle the affordability challenges facing today's borrowers. Their innovative income and deposit booster products allow family members to support a mortgage application in ways that traditional lenders simply do not offer.

Through Doulton Bridging Finance, you can access Gen H's full product range with expert guidance on which solution fits your situation. We help you understand the options, structure the right approach, and navigate the application process with all parties involved.

Income

Booster

Deposit

Booster

Dynamic

Ownership

Modern

Technology

Why Doulton

Gen H mortgages through Doulton

Income Booster

Gen H's income booster allows family members or friends to add their income to your mortgage application, increasing the amount you can borrow without them being on the property title.

Deposit Booster

Family members can use their property equity as additional security for your mortgage, helping you access better rates without needing a larger cash deposit upfront.

Dynamic Ownership

Innovative shared ownership structures that allow multiple parties to own different percentages of a property, with the flexibility to adjust shares over time.

First-Time Buyer Focus

Gen H was built to solve the affordability gap facing first-time buyers, offering creative solutions that work within existing regulatory frameworks.

Professional Borrowers

Products that recognise future earning potential for professionals in fields like medicine, law, and finance, where current income may not reflect career trajectory.

Technology-Led Process

A modern, technology-driven application process that reduces paperwork and speeds up decisions, supported by our broker expertise in navigating their platform.

The Process

How it works

Explore Your Options

We discuss your situation and the affordability challenges you face to determine which of Gen H's innovative products could help you get on the property ladder.

Structure the Solution

We work out the optimal structure for your application, whether that involves income boosters, deposit boosters, or a combination of Gen H's unique features.

Application and Approval

We guide you and any supporting family members through Gen H's application process, ensuring all parties understand their commitments and obligations.

Completion

We coordinate the completion process, working with Gen H and your solicitor to handle the additional legal requirements that innovative structures involve.

Discover Gen H mortgage solutions

Find out how Gen H's innovative mortgage products could help you or your family get on the property ladder. Get expert advice today.

Get a Quote Explore Options

FAQs

Frequently asked questions

Can I get a GEN H mortgage through Doulton?

Yes. We hold broker agencies with GEN H where available and can access their intermediary product range. Where GEN H is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to GEN H via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if GEN H cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does GEN H offer?

GEN H's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what GEN H can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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