One stop shop for home
buying

Supercharged homeownership for employees

Authorised and regulated by the FCA
✨ Get early access to our employee perk programme
£1,000
Completion bonus
£1,000 off
Gen H legal services*
Exclusive
mortgage prices**
First-time buyers
Home movers
Remortgages
Buy to let

*£1000 discount on conveyancing for home purchases and free conveyancing for remortgages.
**Terms and Conditions apply.

Total cost over 2 years
£40,000
£38,000
£36,000
£34,000
£32,000
£30,000
Generation Home
Cost over 2 years
£
31,734
Monthly payments
£1,322
Interest rate
4.87
%
APRC
6.8
%
Generation Home
Cost over 2 years
£
31,807
Monthly payments
£1,325
Interest rate
4.89
%
APRC
6.8
%
Halifax
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
%
Halifax
Cost over 2 years
£
32,650
Monthly payments
£1,360
Interest rate
5.12
%
APRC
6.9
%
Natwest
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
%
Natwest
Cost over 2 years
£
32,872
Monthly payments
£1,369
Interest rate
5.18
%
APRC
6.7
%
HSBC
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
%
HSBC
Cost over 2 years
£
33,095
Monthly payments
£1,378
Interest rate
5.24
%
APRC
6.7
%
Nationwide
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
%
Nationwide
Cost over 2 years
£
33,654
Monthly payments
£1,402
Interest rate
5.39
%
APRC
6.9
%
Based on:
Home price
£312,000
Deposit
20
%
Fixed for
2 years

Using the cheapest 2-year fixed rates from each lender, over a 30 year term.
Accurate as of

Feb 2, 2023 9:15 AM

Source.

Employee perk rates are not available on price comparison websites.

Total cost over 2 years
£40,000
£38,000
£36,000
£34,000
£32,000
£30,000
£
31,807
Generation Home
Cost over 2 years
£
31,734
Monthly payments
£1,322
Interest rate
4.87
%
APRC
6.8%
£
31,807
Generation Home
Cost over 2 years
£
31,807
Monthly payments
£1,325
Interest rate
4.89
%
APRC
6.8%
£
32,650
Halifax
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
£
32,650
Halifax
Cost over 2 years
£
32,650
Monthly payments
£1,360
Interest rate
5.12
%
APRC
6.9%
£
32,872
Natwest
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
£
32,872
Natwest
Cost over 2 years
£
32,872
Monthly payments
£1,369
Interest rate
5.18
%
APRC
6.7%
£
33,095
HSBC
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
£
33,095
HSBC
Cost over 2 years
£
33,095
Monthly payments
£1,378
Interest rate
5.24
%
APRC
6.7%
£
33,654
Nationwide
Cost over 2 years
£
Monthly payments
Interest rate
%
APRC
£
33,654
Nationwide
Cost over 2 years
£
33,654
Monthly payments
£1,402
Interest rate
5.39
%
APRC
6.9%
Based on:
Home price
£312,000
Deposit
20
%
Fixed for
2 years

Using the cheapest 2-year fixed rates from each lender, over a 30 year term.
Accurate as of

Feb 2, 2023 9:15 AM

Source.

Employee perk rates are not available on price comparison websites.

Better mortgages, at

a fairer price

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.

How it works

Apply to join
1
Get started

Add a few details to get your buying budget. Get a mortgage in principle to see if you’re eligible.

2
Apply

Choose your mortgage and monthly payments with a Gen H advisor. Let them know you are eligible for the exclusive employer pricing.

3
Legals

With Gen H Legal, you’ve got everything  in one place. With the employee perk, you'll get £1,000 off conveyancing for home purchases, and from February, free conveyancing on remortgages.

4
Move in

You’re now a homeowner (or a satisfied remortgager) – buy a sofa with the £1,000 completion bonus! We’re here whenever you need us.

See you at remortgage!

Answers for employers

Why should we offer this perk to our employees?

Homeownership isn’t just about having the freedom to paint the walls in your home whichever colour you’d like. Homeownership creates a feeling of security, encourages investment and engagement in your community, and can be an engine for wealth creation. 

We think access to homeownership is just as important as having a pension fund or medical benefits. Helping your employees get on the property ladder could make a real difference in their lives.

What's the commitment from employers?

There is no cost to employers and employees are not tied to their company if they use these perks. They just need to be employed by your company at the time they apply for their mortgage. Once you're signed up with us, your employees are eligible – that's it! We'll take care of the rest.

- We’ll supply materials for you to share with your employees
- We’ll set up mortgage 101, homebuying, and financial wellbeing Lunch and Learns with experts from our team
- Our advisors can visit your offices to provide regulated mortgage advice to customers who are ready to buy
- Your employees will have a direct contact at Gen H to answer any of their questions – we’ll even set up a dedicated Slack channel if you’d like.

Am I liable for any part of my employees mortgage?

No. The mortgage contract is between us and our customers. If an employee defaults on their mortgage, you are not liable. Similarly, your employees are not tied to you through this scheme. They only need to be an employee at the time they apply for their mortgage to be eligible.

Why are Gen H offering this perk?

Our mission is to get more people in homes. To do that, we partner with employers to help make mortgages accessible and affordable for as many people as possible.

How does eligibility work?

To be eligible, employees just need to apply for their mortgage while they work for you. They'll also have to meet our normal mortgage eligibility criteria.

Who can we help?

First-time buyer
Homemovers
Remortgagers
In England and Wales
EU settled or pre-settled, indefinite leave to remain, spousal visa
Some other visas, as long as one applicant has permanent right to reside and you meet our residency and credit criteria
Self-employed (with 2 years of accounts)

Who can't we help?

Buy-to-let
Adverse credit
In Scotland and Northern Ireland
Shared ownership, Right to Buy, or auction properties
Help to Buy equity loans

We're here to fix a

Everyone should have the opportunity to own a home. Homeownership gives freedom, security, and a stake in your community.

But a new generation of would-be homeowners have been locked out, thousands more who don't fit into a narrow box are being left behind, and we’re all being asked to accept a process that should be unacceptable.

We’re here to change it.

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.

Hear from

people we've helped