Generation Home has made further rate cuts across its two- and five-year fixed products. 

Two-year fixed rates have been reduced by 18 basis points to 4.99% with a fee of £999 on loan-to-values (LTVs) of up to 80%. 

Five-year fixes have gone down by 20 basis points to 5.08% with a fee of £999 on LTVs to 80%. 

The lender says it has also made rate adjustments to LTVs above 80%. 

The two-year fix at 85% LTV with a fee of £999 has come down by 15 basis points to 5.15% while the no-fee option has a rate of 5.28%.

The two-year fix at 95% LTV with a fee of £999 has been lowered by 10 basis points to 5.69% while the same product with no fee is 5.79%.

Gen H commercial director Pete Dockar says: “Our competitive rates demonstrate the viability of our people-first model to succeed as a mainstream lender. We’re delighted to offer these lower rates ahead of the holiday season.”