Gen H

A Gen H booster is someone who can help make homeownership possible for you.

What is a Gen H booster?

How do I transfer equity to someone else on the mortgage?

An occupancy waiver is for anyone aged 17 or over, who plans on living in the property, but is not on the mortgage to sign.

We make it easier to get on the property ladder. Add an income booster to enhance your mortgage. Learn more with our income booster video.

Unfortunately, you cannot use the booster features if you plan to use the Help to Buy scheme.

We require direct debit mandates from income boosters to provide ease and flexibility should they want or need to contribute.

Yes, your income booster could be retired, but you would need to factor in the below information.

You can have up to six people on a Gen H mortgage, this includes income boosters.

No, an income booster is not the same as a guarantor, but the roles are similar.

The income booster is our spin on a Joint Borrower, Sole Proprietor (JBSP) mortgage.

An income booster can choose whether to contribute to the mortgage and if so, how much they wish to pay.

Your income booster must have at least a "good" credit score.

Yes, you can be an income booster for more than one person, but this will be subject to your financial position.

This will depend on your financial circumstances.

A deposit booster helps home buyers with the deposit. But instead of simply gifting the money, they contribute to the deposit via a loan.

The deposit booster agreement lays out the terms of the deposit booster's contribution, including when repayment will be made.

Evidence of their identity, proof of address, national Insurance number, and source of deposit. Find out more in our guide.

It's a personal decision for everyone, but there are some key advantages to being a deposit booster over gifting.

No, a deposit booster will not be listed on the mortgage or share any responsibility for the mortgage debt.

No, there is no maximum number of deposit boosters for a mortgage application.

If you are a deposit booster and the owner stops paying the mortgage you are not liable for this.