Gen H has made rate cuts across the majority of its range, effective today at 5:30pm.
The changes include a reduction of 20 basis points to two-year rates at 60% loan-to-value (LTV), 18 bps to five-year rates at 95% LTV and 15 bps to two- and three-year rates at 95% LTV.
Gen H has also lowered rates on five-year rates at 85% and 90% LTV by 15bps, two-year rates at 70% and 90% LTV by 10bps, three-year rates at 60% and 90% LTV by 10bps and five-year rates at 60% and 80% LTV by 5bps.
The lender’s interest only range will be moving in line with the above cuts excluding the 60% LTV two-year, which will only fall by 10bps. The New Build Boost rate is unchanged at 5.79%.
Gen H head of sales and distribution Sara Palmer says: “There’s no better way to begin a new year than with rate reductions designed to support borrowers across the homeownership journey.”
The market was slightly cooler toward the end of 2025, and I’m hopeful that suppressed house prices will translate into greater accessibility for buyers across the country.”
