Gen H cuts mortgage rates by up to 0.20%

Three-year rates have seen the largest reductions, with further cuts for five-year high LTV rates.

Related topics:  Mortgage rates,  gen h
Rozi Jones | Editor, Financial Reporter
25th November 2025
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Gen H has reduced mortgage rates by up to 0.20%, with three-year products seeing the largest reductions.

Three-year fixes at 70% and 75% LTV have reduced by 0.20%, with all other rates down by 0.10%.

Five-year rates at 85% and 90% LTV have decreased by 5bps and 95% LTV rates by 10bps.

Two-year fixed rates have seen increases of up to 0.10%.

These rates are reflected in the lender’s standard, existing customer, and interest-only ranges.

Sara Palmer, sales and distribution director at Gen H, said: “There is a lot of uncertainty and negativity in the markets as we approach the Autumn Budget. Hopefully the cuts we’ve been able to make bring a little positivity to our broker panel and their clients. 

"The trusted, expert guidance of a broker plays a critical role in helping clients decipher the signal from the noise as they make important decisions about their finances and futures – especially in times like these. As a lender, we’re doing everything we can to support our broker partners as they undertake this important work.”

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