Gen H (Generation Home) is built around family-assisted buying — its income booster adds family to the mortgage to expand borrowing without giving up ownership, and its deposit booster structures family help properly. Combined with accessible contractor assessment, it’s a strong first-time buyer option.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Day rate / contract–based assessment |
| Day-one lending | Case-by-case |
| Minimum history | Flexible |
| IR35 (inside) stance | Contractor-friendly assessment |
| Umbrella accepted | Yes |
| Limited company | Yes |
| Gaps between contracts | Standard |
| Adverse credit | Clean credit preferred |
| Underwriting | Hybrid |
| Broker access | Intermediary |
Family members join the mortgage to expand borrowing while taking no ownership of the property; boosters can be removed later as income grows. Exact terms are confirmed live at application.
Family deposit help is structured legally — as equity or an interest-free loan — rather than an informal gift. Specifics are confirmed at application.
Its accessible assessment extends to newer contractors, which pairs well with the booster tools for first-time buyers. We'll confirm the live position.
No — income boosters share responsibility but take no ownership. Boosters receive independent legal advice as part of the process.
On a day-rate or contract basis, with the booster applied to the assessed income where used.
Speak to our contractor mortgage specialists to check live Gen H rates and verify your borrowing capacity.