Unlocking home­ownership for everyone

🔒 Authorised and regulated by the FCA
Owning a home should be an opportunity for everyone. We’re a residential mortgage lender on a mission to unlock homeownership for good.
It’s bigger than
just
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Netflix
The entry price to homeownership has been rising faster than incomes for decades. It’s not your fault, but it’s where we’ve ended up.
The system is broken. We’re here to fix it.

Meet our one-of-a-kind boosts

Income booster

Income booster

Supercharged family and friends affordability support for first-time buyers and movers.

Learn more

New Build Boost

New Build Boost

Boost your deposit with a 15% interest-free equity loan and buy a home you love, sooner.

Learn more

Rising house prices are locking out new buyers

In the UK, house price growth has outpaced wage growth for decades.

Today, the average house price is 8x greater than the average salary. This has left homeownership out of reach for thousands.

Our income booster helps boost what you can borrow, so you can finally get on the ladder.

Chart of house prices vs earnings

Source: Independent

The hardest thing is often saving for a deposit

Slow-growing wages and the cost of living crisis have made it all but impossible to save a big enough deposit. It can take years of sacrifice before you’re anywhere close.

We don’t think that’s fair.

Hand stop sign

Buy a new build sooner with New Build Boost

New Build Boost is a new mortgage scheme designed to help you buy a new build home you love faster. You bring a 5% deposit, take an 80% mortgage with Gen H, and we’ll give you a 15% interest-free equity loan boost to close the gap. Supported by builders, only from Gen H.

Total household income

£
per year
Budget with New Build Boost*
£281,250
Minimum deposit needed (5%)
£14,063
New Build Boost equity loan (15%)
£42,188
Mortgage
£225,000
Budget with a standard 95% mortgage*
£236,842
Minimum deposit needed (5%)
£11,842
Mortgage
£225,000

Get up to £500 off conveyancing

when they take out a Gen H mortgage

If your client uses Gen H Legal for conveyancing alongside their Gen H mortgage, they’ll get a £250 (inc. VAT) discount on purchase legals, and a £250 (inc. VAT) discount on sales legals if they’re selling.

All under one roof imageGen H and Gen H Legal logos
We’re here to fix a
broken system

Everyone should have the opportunity to own a home. But the system is broken. Thousands of people have been locked out of homeownership and the opportunities it can bring.

We’re rebuilding the homebuying process to make it simple, transparent and fair. And we’re helping thousands of people realise their homeownership dreams while we do.

Whether you’re a first-time buyer, a home mover or a remortgager, we’ll help you find your place on the property ladder.

Hear from

people we’ve helped