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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

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.

Gen H and Gen H Legal are the UK’s first lender–conveyancer duo for faster, seamless service.

We’ll advise on your Gen H mortgage documents, such as the home agreement or deposit booster agreement, for no extra cost.

Love what we do? You can also use us without a Gen H mortgage. See the other lenders we can work with.

Buying a home?

Get the

homebuying bundle

Get discounted mortgage rates with the Gen H + Gen H Legal homebuying bundle

Buying a house?

Get the

homebuying bundle

Get discounted mortgage rates with the Gen H + Gen H Legal homebuying bundle

Total cost over
5
-years
£80,000
£78,000
£76,000
£74,000
£72,000
£70,000
Halifax
Cost over
5
-years
£
84,698
Monthly payments
£1,411
Interest rate
5.45
%
APRC
7.6
%
Halifax
Cost over
5
-years
£
84,698
Monthly payments
£1,411
Interest rate
5.45
%
APRC
7.6
%
HSBC
Cost over
5
-years
£
85,074
Monthly payments
£1,417
Interest rate
5.49
%
APRC
6.6
%
HSBC
Cost over
5
-years
£
85,074
Monthly payments
£1,417
Interest rate
5.49
%
APRC
6.6
%
Natwest
Cost over
5
-years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.1
%
Natwest
Cost over
5
-years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.1
%
Nationwide
Cost over
5
-years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.2
%
Nationwide
Cost over
5
-years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.2
%
Generation Home
Cost over
5
-years
£
88,299
Monthly payments
£1,471
Interest rate
5.83
%
APRC
7.5
%
Generation Home
Cost over
5
-years
£
88,299
Monthly payments
£1,471
Interest rate
5.83
%
APRC
7.5
%
Based on:
Loan amount
£250,000
Deposit
20
%
Fixed for
5
5
5
5
5
-years

Using the cheapest

5

-year fixed rates from each lender, over a 30 year
term (without fee)
Accurate as of

Sep 11, 2023 9:15 AM

Source.

£40,000
£38,000
£36,000
£34,000
£32,000
£30,000
Total cost over
5
5
5
5
5
-years
£
84,698
Halifax
Cost over 2 years
£
84,698
Monthly payments
£1,411
Interest rate
5.45
%
APRC
7.6%
£
84,698
Halifax
Cost over 2 years
£
84,698
Monthly payments
£1,411
Interest rate
5.45
%
APRC
7.6%
£
85,074
HSBC
Cost over 2 years
£
85,074
Monthly payments
£1,417
Interest rate
5.49
%
APRC
6.6%
£
85,074
HSBC
Cost over 2 years
£
85,074
Monthly payments
£1,417
Interest rate
5.49
%
APRC
6.6%
£
85,922
Natwest
Cost over 2 years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.1%
£
85,922
Natwest
Cost over 2 years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.1%
£
85,922
Nationwide
Cost over 2 years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.2%
£
85,922
Nationwide
Cost over 2 years
£
85,922
Monthly payments
£1,432
Interest rate
5.58
%
APRC
7.2%
£
88,299
Generation Home
Cost over 2 years
£
88,299
Monthly payments
£1,471
Interest rate
5.83
%
APRC
7.5%
£
88,299
Generation Home
Cost over 2 years
£
88,299
Monthly payments
£1,471
Interest rate
5.83
%
APRC
7.5%
Based on:
Home price
£312,000
Deposit
20
%
Fixed for
5
5
5
5
5
-years

Using the cheapest

5

-year fixed rates from each lender, over a 30 year term (without fee)
Accurate as of

Sep 11, 2023 9:15 AM

Source.

end to end homebuying at high street prices

We’re doing everything we can to help more people become homeowners - that’s why we’ll keep our rates as low as we possibly can at all times.

We're taking

a fresh approach

Afford more

Add an income booster onto your mortgage to borrow more. Remove them when the time is right, with the ejector seat.

Boost your deposit

Don’t ask for a gift - turn it into an investment as a deposit boost.

Buy together flexibly

See how much everyone owns in realtime with dynamic ownership.

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

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.

Gen H is a mortgage lender creating an end-to-end buying experience with exceptional service, competitive rates, flexible affordability features, and our own conveyancing firm, so you can buy your home seamlessly – all under one roof.

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