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Gen H, Unit 80 Exmouth House, London EC1R 0JH
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Gen H

Gen H is a residential mortgage lender founded in 2019 with the goal of helping everyone become a homeowner. Gen H takes a customer-first approach to lending, prioritising fair prices, flexible criteria, unique affordability solutions, and exceptional customer service for a seamless and supportive borrowing experience.

With the launch of Gen H Legal, Gen H has launched the UK’s first ever end-to-end homebuying service.

Paid by PMS

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Proc Fees

Product	Gross	Net
All new business product	0.4%	0.38%
Product Transfer	0.25%	0.23%

Key Features

Income booster :

An income booster is a close relative added to a mortgage who can help your client afford more, sooner. If they like, income boosters can help with the monthly payments and build up equity – or they can just stay on standby.
Ejector seat :

Thanks to the Gen H ejector seat, mortgage terms don’t need to be limited by a booster’s max age.

Deposit Booster:

Deposit boosters can contribute up to 100% of the deposit, and they don’t have to be a UK resident to lend a hand. Their contribution can be an interest-free loan or equity loan, so their money will come back to them down the line.
Dynamic Ownership:

Clients can own their home jointly with individual equity and dynamically track who owns what. The Gen H home agreement acts as a deed of trust to represent everyone’s financial interest in the property.

Overview

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Register to place business with Gen H:

Get Started Here

*They’ll help you get set up to start placing cases with them, including registering your firm to join their panel.
At the end of the process, they’ll introduce you to your friendly Gen H BDM who will be by your side throughout your time on their panel.

The only residential lender you’ll need

Gen H mortgages are designed to support more of your clients – not just the ones that fit into a narrow box. Their BDM team is also on hand to help you get every last case over the line. That means you can get certainty for your clients, sooner.

Whether your clients are first-time buyers, home movers or remortgagers, Gen H are here to help them find their place on the ladder.

Here’s Gen H in a nutshell:

Certainty, sooner: get your decision in days, not weeks
Afford more: Include up to six applicants on a mortgage application to boost what your clients can borrow.
Get a boost: with the deposit booster feature, up to 100% of the deposit can be contributed as a gift, interest-free or equity loan.
Seamless service: Gen H has launched Gen H Legal, their own conveyancing firm, that offers an end-to-end buying experience.