Who we are

We're Gen H, an intermediary-only mortgage lender on a mission to help everyone access homeownership.

Life looks different today than it did 50 years ago, but the high street hasn't kept up. Our mortgages are designed to help the borrowers the big banks overlook – think foreign nationals, self-employed applicants, contractors, and those who need an affordability boost.

Whether your clients are first-time buyers, home movers, or remortgagers, we're here to help them find their place on the ladder. And because brokers are central to our mission, we back that up with fast, reliable, friendly service to help you write more business.

Got a complex case that doesn't tick the usual boxes? That's exactly what we're here for. Read more about our product range below.

What we do

Where affordability doesn’t fit, try our income booster

• Income boosters are family or friends who go on the mortgage to help the applicant borrow more
• They’re liable for the full mortgage but don’t have to pay anything as long as the mortgage is in good standing – 92% of our boosters never pay a pound
• Income boosters help FTBs buy at age 29 – 5 years early compared to the national average
• Available on our entire standard range

Where a bigger deposit makes all the difference, try New Build Boost

• New Build Boost pairs a standard 80% mortgage with a 15% equity loan, so your clients can buy with just a 5% deposit
• The boost is interest-free forever and frozen for the first 5 years
• Your client owns 100% of their home from day one
• Available on all Persimmon Homes and Charles Church developments and select Lovell Homes sites across England and Wales

Criteria designed for the complexity of real life

Whether your clients are self-employed, foreign nationals, have complex income, or another unique circumstance, they're welcome here. 2/3 of our applicants have at least two complexity factors. Check out our criteria.