Residential mortgage lender Gen H has today announced its official launch into the Scottish market, bringing its affordability-led lending proposition to brokers and borrowers in the region.
The launch includes Gen H’s income booster proposition, designed to help affordability-constrained buyers increase their borrowing power by adding a family member or friend as a non-resident co-borrower.
The move provides Scottish mortgage advisers with a new solution to address one of the market’s most persistent challenges: borrowers who can comfortably afford monthly repayments, but who fail traditional income-multiple affordability assessments.
Gen H’s income booster product tackles affordability challenges head-on:
- Income boosters are liable for the mortgage, but they are not guarantors, so there’s no collateral on the line.
- Income boosters don’t have to pay any money as long as the mortgage is in good standing. 92% of boosters never pay anything toward the mortgage.
- On average, first-time buyers with an income booster get onto the ladder 5 years earlier than those without.
The proposition provides advisers with an alternative to guarantor mortgages, gifted deposits or complex family structures - particularly relevant in markets where high rents already demonstrate payment affordability.
The Scottish launch will initially be available exclusively through Mortgage Advice Bureau (MAB) brokers, reinforcing Gen H’s commitment to intermediary distribution and adviser feedback-led product design.
Sara Palmer, Sales and Distribution Director at Gen H, said:
“We hear a lot about the housing crisis in England, but affordability is one of the most pressing challenges facing aspiring homeowners in Scotland too.
“Many people can afford the monthly repayments — often paying as much in rent — yet are blocked by traditional income assessments.
“By launching in Scotland and bringing income booster to the market, we’re giving brokers a practical way to help more clients buy sooner, while ensuring family support can be used in a transparent, safe and fair way.”
Rachel Geddes, Strategic Lender Relationship Director at Mortgage Advice Bureau, added:
“It’s fantastic to see the mortgage market evolving across Scotland, an area that has been underserved by new lending propositions for too long.
“Having listened carefully to broker feedback, the need for a proposition that truly addresses the needs of Scottish clients is in high demand. A critical gap identified was the lack of flexibility, particularly around enhanced borrowing power options. This is exactly where Gen H comes in. Their highly anticipated launch into the Scottish market is specifically designed to fill that gap.
“This partnership enables us to support Scottish businesses and their clients directly, and we’re incredibly excited to be launching this exclusively to MAB brokers. We strongly encourage other lenders to join us in adopting a more flexible, client-focused approach to better serve the Scottish property market.”
Redesigning homebuying for the better
Founded in 2019, Gen H has built its proposition around flexible lending criteria, technology-enabled underwriting and a customer-first approach designed to reflect how people actually buy homes today.
Its expansion into Scotland marks the latest step in the lender’s mission to modernise mortgage affordability and provide brokers with tools that reflect real-world household finances.
