Gen H is on a mission to help everyone become a homeowner. Whether your clients are first-time buyers, home movers or remortgagers, Gen H is on hand to help them find their place on the ladder.

And if your clients need a little boost, Gen H have their backs with flexible, innovative affordability tools like their income booster and ejector seat, deposit booster and dynamic ownership features.

Income boosters are family members that go on the mortgage to help your clients afford more, but don’t go on the property deeds. They can contribute to the monthly payments and build equity, or just stay on standby. And with the ejector seat, income boosters can be removed once the owners can afford the loan on their own or once the booster reaches max age 85 (with some additional flexibility). This means Gen H could often offer longer term.

Deposit boosters can contribute up to 100% of clients' deposits as an interest-free loan or an equity loan, so their money can come back to them down the line. There’s no limit to the number of deposit boosters that can contribute, and they don’t have to be UK residents to lend a hand.

With the Gen H dynamic ownership feature, your clients can own their home jointly and build individual equity. They can split the monthly payments however it works for them and track their equity in the Gen H dashboard. The Gen H home agreement keeps things safe and fair.

Additional criteria*

• Up to 95% LTV on standard properties
• 90% LTV on new build houses, 80% LTV on new build flats
• Self-employed applicants need 2 years’ trading but Gen H uses the latest year’s accounts for affordability
• Gen H can lend to applicants on zero-hour contracts and through the Construction Industry Scheme

All criteria subject to full assessment*

Products from Gen H can be accessed by using Dynamo for Intermediaries as your payment route.