✨ Get a free property insight report and homebuyers guide click here

Homebuying from start to finish,
and beyond

Authorised and regulated by the FCA

Owning a home should be an opportunity for everyone.
We're rebuilding it to make it simple, transparent, and fair.

What's your

property
budget?

It's bigger than

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.

You need new solutions – and not just another scheme.

Income booster mortgages that are smarter than the rest

More options and better flexibility

You have the power to get more boosters on board, give boosters more of an incentive to help, and track equity splits in real time – or none of the above. It’s all up to you.

Read more about our income booster
Income
booster
Typical JBSP* and income booster
Afford more
No impact on your stamp duty
Remove boosters when you can afford it
Support can come from non-family
Friends can be boosters up to 80% LTV
Term doesn’t have to be limited by booster’s age
Unique support for older boosters
Real-time tracking on who owns what
Boosters can choose to build up equity
*Stands for joint borrower sole proprietor

Benefits for you and your booster

You
£65k bigger budget on average compared to on your own
No effect on stamp duty
Use a booster to buy sooner, upsize quicker, or stay in the home you love
Your booster
A family member or friend who goes on your mortgage
The booster's property isn't used as collateral
They can build equity if they want to chip in monthly
You can take them off when you can afford it on your own

Income booster mortgages that are better than the rest

Borrow more with more affordable monthly payments

Our smart criteria and calculations lets our customers borrow more and extend their term longer on average than other income booster lenders, which means more affordable monthly payments.

Maximum property budget
£320,000
£300,000
£280,000
£260,000
£240,000
£220,000
HSBC
Maximum budget
£
79,062
Monthly payments
£1,317
Interest rate
4.84
%
APRC
6.3
%
Maximum Budget
300000
Monthly payments
£1,317
Maximum Term
40
years
Rate
4.84
%
APRC
6.3
%
Halifax
Maximum budget
£
79,791
Monthly payments
£1,329
Interest rate
4.92
%
APRC
7.4
%
Maximum Budget
260000
Monthly payments
£1,329
Maximum Term
40
years
Rate
4.92
%
APRC
7.4
%
Nationwide
Maximum budget
£
79,882
Monthly payments
£1,331
Interest rate
4.93
%
APRC
7.0
%
Maximum Budget
280000
Monthly payments
£1,331
Maximum Term
40
years
Rate
4.93
%
APRC
7.0
%
Generation Home
Maximum budget
£
80,890
Monthly payments
£1,348
Interest rate
5.04
%
APRC
7.2
%
Maximum Budget
310000
Monthly payments
£1,348
Maximum Term
40
years
Rate
5.04
%
APRC
7.2
%
Natwest
Maximum budget
£
81,534
Monthly payments
£1,358
Interest rate
5.11
%
APRC
7.2
%
Maximum Budget
260000
Monthly payments
£1,358
Maximum Term
40
years
Rate
5.11
%
APRC
7.2
%
Based on:
Your income
£40,000
Deposit
£30,000
Income boosters age
65

Comparing the top income booster and joint borrower sole proprietor maximum loan amounts. Accurate as of  

Nov 27, 2023 3:55 PM

. Source.

All under one roof

Gen H Legal is our answer to slow, outdated conveyancing processes.

With Gen H Legal, your clients will work with a dedicated conveyancer and receive proactive updates – all for a fixed, transparent price.

And if you bundle your clients’ conveyancing with a Gen H mortgage, they’ll get access to exclusive lower mortgage rates and personalised legal advice on unique Gen H features like the home agreement at no extra cost.

We're here to fix a

Everyone should have the opportunity to own a home. But the system is broken. House prices have grown faster than incomes for decades, and 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.

A team that's

on your team

Your Gen H homebuying champion is a phone call or email away. They know your name, they keep in touch, and you won't have to retell your life story every time you need to ask a question.

Just fill out a few details and book a call

Hear from

people we've helped