Gen H reduces mortgage rates by up to 0.20%

Residential mortgage lender Gen H has announced rate cuts across the majority of its range. 

Available from 5:30pm today, the largest reduction of 0.20% will apply to Gen H's 60% LTV two-year fixed rates.

95% LTV five-year fixed rates are decreasing by 18bps. 95% LTV two and three-year fixed rates and 85% and 95% LTV five-year fixed rates will all see reductions of 0.15%.

Two and three-year fixes up to 90% LTV will fall by 10bps, with 5bps cuts applied to 60% and 80% LTV five-year fixed rates.

The lender’s interest-only range will be moving in line with the above cuts excluding the 60% LTV two-year product, which will fall by 10bps. The New Build Boost rate is unchanged at 5.79%.

Sara Palmer, head of sales and distribution at Gen H, said: “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.

"These rates, paired with our market-leading affordability tools and manual underwriting, should help brokers deliver lots of good news to their clients this month.”