Gen H offers interest-only mortgages. We do not offer retirement interest-only (RIO) mortgages.

Interest-Only Requirements:

• Maximum loan-to-value (LTV) of 80%
• Minimum gross application income of £50,000
• The maximum loan term must not extend beyond the eldest applicant's 75th birthday or the earliest retirement age among all applicants, whichever comes first
• Interest-only not available for income booster applications
• Where valid projected repayment vehicles are utilised, any ongoing contribution required to meet the projection must be included as a financial commitment

Acceptable Repayment Vehicles:

• Sale of mortgaged property
• Sale of other properties
• Pensions
• Investments
• Endowments

Multiple repayment vehicles can be considered to meet the interest-only repayment obligations.