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Sort your remortgage in just a few days – now with free valuations!

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monthly payments

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Like a high street lender, but (much)

Remortgaging can be a stressful process, but it shouldn’t be. When the time comes, we’ll help you remortgage quickly and easily.

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.
Accurate as of

Sep 11, 2023 9:15 AM

Source.

Total cost over 2 years
£40,000
£38,000
£36,000
£34,000
£32,000
£30,000
£
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.

Better mortgages, at a (for now, somewhat)

competitive price to the big guys

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.

Homebuying all under

When you remortgage with Gen H, we’ll have your back from beginning to end.

A team that's

on your team

Your Gen H remortgaging expert 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

Frequently asked questions

Does Gen H offer remortgages?

Yes, we do. When you remortgage with Gen H, you’ll get a free property valuation, free standard legal work with Gen H Legal, and exceptional service from our team of mortgage experts. 

The entire process of remortgaging can take one to two months, but we’ll work to get you your offer in just a few days. Whenever you’re ready to remortgage the home you love, we’ll be here and ready to help. 

What is covered as part of the Gen H remortgage bundle?

The remortgage bundle covers the cost of the property valuation and the conveyancing fees of Gen H Legal, our conveyancing arm, as they act for us in the process of your remortgage. In most cases, this means you won’t pay anything out of pocket for the process of remortgaging – you’ll just be responsible for things like applicable third party fees or extra legal advice. You can also choose your own conveyancer if you like, but Gen H will not cover the cost of their representation.

What’s included in the remortgage bundle
Examples of services that customers will need to pay for
Legal and processing fees

Search and Land Registry fees

Valuations for our use as a lender

Transfer fee to repay your previous lender
Independent Legal Advice for you or for your boosters

Any optional legal advice on your remortgage or home agreement

Third Party Costs (searches, indemnity, disbursements)

Transfer of title

Leasehold conveyancing

Land registry amendments

Purchasing freehold interest

Shared ownership (e.g. staircasing)

Valuations for your own information
Will it cost money to add boosters to my remortgage?

Yes. When you add boosters to your mortgage, you need to obtain Independent Legal Advice (ILA). ILA is a regulated step in the mortgage process, and we can’t provide it for you. You will need to select a solicitor and pay for this advice. The cost of ILA can vary, but around the £300 mark is typical.

Can I borrow more to renovate my home?

Yes, you may be able to borrow more money for home improvements. These should be non-structural, for things like renovating a bathroom, kitchen, for decorative updates, or for essential repairs. Get in touch with us via webchat to learn more.

Hear from

people we've helped