Hi, we’re
A mortgage lender on a mission to help everyone access homeownership.
Mortgages aren’t fair but they should be
Life looks different today than it did 50 years ago, but mortgages haven’t kept up. Too often, aspiring homeowners are locked out by rising house prices and outdated ideas of what “creditworthy” looks like.
We’re making mortgages fair for everyone, no matter where they are in their homeownership journey.
Our founders
Gen H was founded in 2018 by Will and Sophia.
They wanted to buy a home with friends but the high street turned them away. They took a closer look at the homebuying process today and realised their story wasn’t unique – thousands of aspiring homeowners were being locked out for no good reason.
So instead of buying a home, they invested their deposit into building Gen H. (Don’t worry, they did eventually buy a place a few years later.)
Our story
- 2019Will and Sophia found Gen H
- 2020We get our FCA authorisation and give our first mortgage to the Millers
- 2023Intermediary only
- 2024Top 20 lender with over £1bn in lending
- 2025We launch New Build Boost, the first ever private-sector alternative to Help to Buy, plus interest-only and part-interest mortgages for first-time buyers, home movers and remortgagers
- 2026We’re a 70+ person team based all over the country helping everyone access homeownership.
If you think home-ownership is out of reach, we’re here to help
Second job? Born outside the UK? Need an income boost?
There are more options than ever before to help you get on – or stay on – the ladder. Our mortgages and mortgage criteria are designed to meet you where you are.
Speak to a broker to learn if a Gen H mortgage could be right for you.
As seen in
The system is 
We’re here to fix it.