Lender Gen H  has announced rate cuts of up to 20 basis points across its high LTV mortgage products, with the biggest reductions at 95% LTV.

Rate cuts include: two and three -year rates at 95% , down 20 bps.

Two and three rates at 90% LTV down 10 bps; and two and three -year rates at 85% LTV down 10 bps

These cuts are live now and available to all brokers on Gen H’s panel.

Swap rates rose sharply earlier in 2026 owing to the war in Iran but they have since eased, and Gen H is passing this through to borrowers at the LTV bands where first-time buyers are often concentrated.

Commenting on the new rates, Gen H sales and distribution director Sara Palmer, said: “These cuts are market-driven,but we’ve made a deliberate choice to concentrate the biggest reductions at 95% LTV, where many first-time buyers are. A smaller deposit doesn’t make you an inherently riskier borrower; it just means you’re someone who hasn’t had a financial leg-up, or who’s been paying rent whilst also trying to save. Brokers should be taking another look at what’s now possible for those clients who were just outside affordability last week.”