Fintech mortgage lender Gen H has struck a major funding partnership with specialist investor SilverRock Financial Services, in a move that aims to accelerate the fintech’s mission to widen access to homeownership and shake up the UK’s mortgage market.

Under the forward-flow agreement, which came into effect in April 2025, SilverRock will fund a portion of the mortgages originated and managed by Gen H.

CRITICAL CAPITAL

The deal provides Gen H with critical capital to scale its lending operations and introduce more of its market-disrupting mortgage products at pace.

The partnership marks a significant milestone for Gen H, which has positioned itself as a challenger to traditional mortgage lenders since launching in 2019.

Known for its affordability-focused propositions and flexible criteria, the firm has carved out a niche among first-time buyers and borrowers underserved by high street banks.

Gen H’s product innovation includes the recent launch of its New Build Boost scheme, designed to tackle both deposit and affordability barriers that have locked many would-be buyers out of the market. The partnership with SilverRock is expected to support further development of such tailored offerings.

FORWARD-FLOW FINANCING

For SilverRock, the deal reinforces its growing presence in the non-bank lending sector.

The firm is building a reputation as a leading provider of forward-flow financing and portfolio acquisition services, with a focus on working alongside fintechs, specialist lenders, and building societies. Its strategy of supporting agile, tech-driven lenders is aimed at boosting competitiveness and expanding lending capacity across a wider spectrum of borrowers.

The timing of the agreement is significant. With housing affordability at historic lows and mainstream lenders constrained by rigid criteria, alternative players like Gen H are gaining traction among consumers looking for personalised solutions.

By securing a long-term funding partner in SilverRock, Gen H is poised to ramp up its impact and challenge the status quo.

COLLABORATION AND GROWTH

Graham McClelland, Gen H Deputy CEO, said: “This partnership with SilverRock is an important strategic milestone on this path. SilverRock is a purpose-built forward flow funder, designed from day one to be an agile partner in the lending business – exactly the kind of partner Gen H needs.

“This relationship will allow us to further improve our criteria and push forward with exciting new propositions over the coming year. We are delighted to partner with SilverRock and look forward to a relationship marked by collaboration and continued growth.”

SCALABLE AND SUSTAINABLE

And Veronika Lovett, SilverRock CEO, added: “We are excited to partner with Gen H, a forward-thinking company that is transforming the way families across the UK access and finance their homes.

“This collaboration reflects our commitment to supporting innovative business models that enable scalable, sustainable lending solutions. Together, we look forward to unlocking new opportunities for aspiring homeowners and driving meaningful change in the housing market.”