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Gen H, 1 Old Street Yard, London EC1Y 8AF
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Gen H

Gen H is a residential mortgage lender built to support every kind of borrower – not just the ones who fit into a narrow high-street box. Gen H offer a diverse combination of criteria and innovative propositions that are designed to meet buyers where they are – in all their weird and wonderful complexity. Think specialist features without the specialist pricing.

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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 :

Income boosters are friends or family who go on the mortgage to help clients afford more. It’s like a JBSP, but thanks to our Ejector Seat, we can lend past the booster’s 85th birthday – giving clients a longer mortgage which keeps repayments affordable or get a higher borrowing amount. Income boosters can be a lifeline with no cash up front, helping convert those leads you'd otherwise be unable to help.
Ejector seat :

Unlike other JBSP products, our term is based on the homeowner, not the joint borrower. Our Ejector Seat removes boosters from the mortgage when they turn 85, so the term length isn't restricted by their age. This allows us to offer our JBSP over a much longer term than other lenders, giving lower monthly payments or a larger loan size to your client.

Deposit Booster:

Friends or family can contribute up to 100% of the deposit as an interest-free or equity loan that can be gifted any time. There are no mandatory repayments, which means there’s no impact on affordability, and boosters can gift their support to just one person on the mortgage if they choose.
Interest only:

Interest only has long been pigeon-holed as a tool for the wealthy, but we believe it can help first-time buyers, too. The first phase of our interest only proposition is designed to help affordability-constrained, financially-savvy young professional and self-employed first-time buyers and movers who want to buy a home and prioritise their investments or pension. Interest only is a powerful tool, and can effectively boost affordability by 10-15% over a 30-year term.

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.

A fresh approach to mortgages

Gen H mortgages are designed to support every kind of borrower – 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: Family and friends can help boost affordability
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.