Gen H

Find out about product switching and remortgaging.

What happens when my mortgage product comes to an end?

Yes you can! If you currently have a Gen H mortgage, you are able to take part in the Homes for Ukraine scheme.

Can I offer a room to Ukrainian refugees if I have a Gen H mortgage?

We do not know exactly how long it takes for your new mortgage to appear on your credit file.

When will my Gen H mortgage appear on my credit file?

Yes they can! A deposit booster can gift part or all of their loan at any time.

Can a deposit booster turn their loan into a gift?

What happens if I fix a rate and the interest rate then changes?

I would like you to speak to someone else on my behalf.

What happens if I would like to make changes to my mortgage after completion?

Having a deposit booster will not stop you from changing lenders. However, lenders will take the loan into account in their assessments.

Will having a deposit booster stop me from changing lenders in the future?

Payments, overpayments and how to contact us!

What happens after completion?

What you'll need to do before moving and on the day.

Moving Home Guide

If the worst happens, what happens to your mortgage?

What happens if I die?

Redeeming your mortgage

Alison

Tanisha Anand

Ashley Currie

Managing your mortgage

You can choose your payment date. Some homeowners like to align their mortgage payment with their payday, but it's entirely up to you.

When do I pay my mortgage?

You can view this via your Gen H dashboard.

Can I view how much equity I have in my property?

Your first payment will be 7 working days after your mortgage completes, or your preferred payment date, whichever is later.

When is my first mortgage payment?

Your first mortgage payment will be the full monthly payment amount shown on your mortgage documents.

How much is my first mortgage payment?

Mortgage payments are made up of principal and interest. Read to find out more.

How are mortgage payments calculated?

It can take up to five working days for the monthly payment you make to be taken from your account to clear.

How long does it take for my mortgage payment to appear on the dashboard?

If you miss a mortgage payment it is important you contact us to understand more and see how we can help you.

What happens if I miss a mortgage payment?

Gen H can't accept mortgage payments from a credit card.

Can I pay for my mortgage with a credit card?

If you wish to change your payment date, please contact us at mymortgage@generationhome.com

How do I change my mortgage payment date?

You're required to cover your whole mortgage payment each month, but how you split payments is up to you.

How do we manage mortgage payments as a group?

Support if you're having trouble making your mortgage payments.

Are you struggling with your mortgage payments?

John Cullen

Mortgage payments

Find out how to make an overpayment on your Gen H mortgage here.

How do I make a mortgage overpayment?

What is an overpayment and what are the benefits?

As a group, you can pay up to 10% of your loan balance (the balance when your current fixed initial interest rate started) per year.

What is the maximum I can overpay by?

An Early Repayment Charge is payable when you repay part or all of your mortgage over a specified limit.