The rate changes will go live at 5.30pm on 5 January.
This includes cuts of 0.2% to its two-year fixes at 60% loan to value (LTV), cuts of 0.18% to five-year fixes at 95% LTV, and reductions of 0.15% across its two- and three-year fixed mortgage rates at 95% LTV.
Gen H’s five-year fixed rates at 85% and 90% LTV will be lowered by 0.15%, while cuts of 0.1% have been made to two-year fixed rates between 70% and 90% LTV, as well as three-year fixed rates between 60% and 90% LTV.
Reductions of 0.05% have been applied to five-year fixed mortgage rates between 60% and 80% LTV.
Gen H will also align its interest-only mortgages to the reductions made, excluding the two-year fix at 60% LTV, which will be cut by 0.1%.
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Its New Build Boost rate – launched as an alternative to Help to Buy – will remain 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.”
