Gatehouse Bank
By Oliver Mackman · Reviewed 2026-04-26 · FCA regulated · PRA bank
Overall
4.2/5
Ticket range
£500k to £25m+
Decision time
3 to 8 weeks
UK PRA bank
Yes
Gatehouse is a UK PRA-regulated Sharia-compliant bank with a strong commercial property focus. More restricted product range than Al Rayan but pricing on commercial-mortgage-equivalent products is often more competitive on owner-occupier and BTL deals £500k+. Sharia Supervisory Board oversight.
Sharia structures offered
- · Diminishing Musharaka
- · Ijara
- · Murabaha
Pros
- ✓ PRA-regulated bank.
- ✓ Competitive on owner-occupier commercial property £500k+.
- ✓ Sharia Supervisory Board reviews structures and provides annual fatwa.
- ✓ Strong BTL portfolio offering.
Cons
- ✗ Narrower product range than Al Rayan.
- ✗ Sub-£500k tickets generally not engaged.
- ✗ Slower than fintech alternatives.
Best for
- · BTL portfolios
- · Owner-occupier commercial property £500k+
- · Established Ltd companies
Weak at
- · Sub-£500k working-capital needs
- · Asset finance for plant and machinery
Sharia governance
Sharia Supervisory Board with leading UK and international scholars; annual fatwa published.
How to apply
Apply directly via www.gatehousebank.com. Gatehouse Bank works on a relationship basis for commercial finance; expect a qualified call before a written term sheet.
Editorial only. We are not an FCA-authorised adviser. Gatehouse Bank did not pay for or pre-approve this review.