Our dynamic ownership proposition can be used on cases where there are multiple customers (either owners or income boosters).

Dynamic ownership uses the tenants in common legal structure and the home agreement.

Our home agreement is a unique legal document that we created to set out the rights and responsibilities of the customers and what happens when they remortgage or come to sell the property in the future.

Each Gen H mortgage comes with an equity accounting service that calculates and tracks each customer’s contributions toward the mortgage. The home agreement sets out how we define and protect each customer’s interest in the property as a result of their contributions.

Individual shares in the property reflect individual contributions towards the deposit and mortgage repayments. This means the ownership structure can change dynamically over time.

Learn more about the dynamic ownership.