Gen H has reduced rates across its high loan-to-value and New Build Boost mortgage ranges as other lenders continue to raise prices.

The lender has cut its 85% loan-to-value rates by 40 basis points, while rates at 90% and 95% loan-to-value have been reduced by 10 basis points.

The New Build Boost rate has also fallen by 10 basis points to 6.44%, giving an effective rate of 5.42%. The new rates are available to brokers on Gen H’s panel.

The changes were announced alongside figures showing that July was Gen H’s strongest month for applications in 2026 and its fifth best since the business was founded in 2019.

July was also its best month for mortgage offers since May 2024 and its second-best month for completions this year. The value of completions rose by 34% compared with the same period last year.

Two in three applications received by Gen H during July involved at least two areas of complexity, including complex income or self-employment.

The lender said recent improvements to its systems had helped to increase efficiency. It has introduced artificial intelligence-powered document reviewers and packaging agents intended to support underwriters and brokers.

Gen H said the number of “one-touch” underwrites, in which an underwriter offers a case during the same session in which the application is first assessed, had doubled in recent months.

Sara Palmer, sales and distribution director at Gen H, said: “2026 has been such a challenging year for our industry. Gen H’s performance shows the strategic benefit of investing in great systems and great people.

“People still want to buy homes, and we’re here to support our broker partners as they make those dreams come true.”