What are Gatehouse Bank's Islamic mortgage rates?

We recorded 40 published products on 9 October 2026. The lowest published UK resident initial rate is 5.53%, on a product carrying EPC A or B; without that condition the lowest is 5.63%. Rates vary by deposit tier and fixed period, and fees are shown against every product above.

Is Gatehouse Bank a real Islamic bank, and is it regulated?

Gatehouse Bank publishes FRN 475346 as its Financial Conduct Authority firm reference number. We record that as published and have not yet confirmed it against the FCA Register ourselves. Whether a product is Sharia-compliant is for the provider's own scholars and certification, which we describe rather than rule on.

What could you not verify about Gatehouse Bank?

2 questions about Gatehouse Bank remain open in our register, listed on this page with what we tried. We publish the gap rather than filling it with an estimate.

Compare providers · Provider review

Gatehouse Bank Islamic mortgage review

Gatehouse Bank offers Islamic home finance for properties in England and Wales, with published options from a 5% deposit for UK residents (purchase only). The main things to check are the rate at your deposit, the fees, and the charges for repaying early. Below, we set out its published terms and the conditions and gaps to check.

We found and recorded 40 published products, the lowest published UK resident rate being 5.53% (EPC A or B required; 5.63% is the lowest without that condition), all checked against Gatehouse Bank's own product pages and published documents on 9 October 2026.1

How to read this page

A research review of what Gatehouse Bank publishes, not a customer-service review or a recommendation. We have no application data and do not rate providers.
Meeting a published tier or criterion is not approval. Income, credit history and the property are assessed in underwriting.
Where Gatehouse Bank's own documents disagree, are unclear or are incomplete, we show that rather than fill the gap.

Structure: Acquisition & Rent HPP
Regulated owner-occupied: Yes
FCA reference: FRN 475346, as published
Finance range: £75,000 to £5m standard; up to £10m referral
Term: 5 to 40 years
Available through: Direct and intermediary

HOW WE VERIFIED THIS

1 40 rate records and 15 criteria facts taken from the provider's published pages on 9 October 2026. Firm reference number as published by the provider. Direct verification against the FCA Register, including permissions and any restrictions, is still outstanding.

3 source documents · rate review interval 14 days

What we found in Gatehouse Bank's rate card

Each finding compares every product the provider publishes against every other, and is re-tested whenever the rate data changes.2

Efficiency discount is a fixed rule

Across all 16 matched pairs of energy-efficient and standard products we hold that are open to a purchase, covering UK resident, British expat and international resident ranges, the efficient product is exactly 0.10 percentage points lower every time. That consistency makes it a pricing rule rather than an offer. The refinance-only range is the exception: in all 4 of its matched pairs the efficient and standard products are priced the same. On £200,000 over 25 years, 5.53% against 5.63% is roughly £12 a month. The discount follows the property's energy rating, so it is decided by the home you buy rather than by anything in your application.
A larger deposit does not always lower the rate

Going from a 20% deposit to a 35% deposit does not lower the two-year rate. In the UK resident range we checked, those products are priced identically at both tiers. The improvement appears only on the five-year products, and even there it is 0.13 percentage points. If you are stretching for a larger deposit, it is worth checking whether the product you want actually prices it in.

HOW THESE ARE TESTED

2 Each finding carries its own test. The comparison runs against the current rate records every time the site is built, so a conclusion cannot outlive the data it came from. Read the methodology

Gatehouse Bank mortgage rates: every current Home Purchase Plan product

Fixed rates available to a UK resident run from 5.53% to 6.78%. Each cell shows the cheapest product at that tier with that same product's fees. These are initial rates; the follow-on rate is 7.25% once the fixed period ends. Price Gatehouse Bank's products in the calculator.

Gatehouse Bank published fixed initial rates for UK resident applicants by deposit tier and fixed period, with the fees on each product, checked 9 October 2026
Deposit	2 years fixed	5 years fixed
35%up to 65% finance-to-value	5.58% EPC A or B required£499 + £149 product fee plus application fee. 4 products here, to 5.68%	5.53% EPC A or B required£499 + £149 product fee plus application fee. 4 products here, to 5.63%
20%up to 80% finance-to-value	5.58% EPC A or B required£499 + £149 product fee plus application fee. 4 products here, to 5.68%	5.66% EPC A or B required£499 + £149 product fee plus application fee. 4 products here, to 5.76%
10%up to 90% finance-to-value	6.38% EPC A or B required£999 + £149 product fee plus application fee. 2 products here, to 6.48%	6.36% EPC A or B required£999 + £149 product fee plus application fee. 2 products here, to 6.46%
5%up to 95% finance-to-value	6.68% EPC A or B required · purchase only£999 + £149 product fee plus application fee. 2 products here, to 6.78%	6.66% EPC A or B required · purchase only£999 + £149 product fee plus application fee. 2 products here, to 6.76%

Gatehouse Bank: lowest fixed rate at each deposit tier

The biggest step is from a 20% to a 10% deposit, where the lowest 2-year fixed rate rises 0.80 points. Every lowest point carries a condition (EPC A or B required; purchase only); the figures table names the lowest product without one. Gatehouse Bank, UK residents, checked 9 October 2026.

Figures behind this chart

Deposit	Period	Lowest	Product	Condition	Lowest without a condition
35% deposit	2-year fixed	5.58%	Gatehouse BankGreen Fixed 2yr GHFU1746	EPC A or B required	5.68% (Gatehouse Bank Fixed 2yr HFU1750)
35% deposit	5-year fixed	5.53%	Gatehouse BankGreen Fixed 5yr GHFU1748	EPC A or B required	5.63% (Gatehouse Bank Fixed 5yr HFU1752)
20% deposit	2-year fixed	5.58%	Gatehouse BankGreen Fixed 2yr GHFU1747	EPC A or B required	5.68% (Gatehouse Bank Fixed 2yr HFU1751)
20% deposit	5-year fixed	5.66%	Gatehouse BankGreen Fixed 5yr GHFU1749	EPC A or B required	5.76% (Gatehouse Bank Fixed 5yr HFU1753)
10% deposit	2-year fixed	6.38%	Gatehouse BankGreen Fixed 2yr GHFU1738	EPC A or B required	6.48% (Gatehouse Bank Fixed 2yr HFU1742)
10% deposit	5-year fixed	6.36%	Gatehouse BankGreen Fixed 5yr GHFU1740	EPC A or B required	6.46% (Gatehouse Bank Fixed 5yr HFU1744)
5% deposit	2-year fixed	6.68%	Gatehouse BankGreen Fixed 2yr GHFU1739	EPC A or B required; purchase only	None at this tier
5% deposit	5-year fixed	6.66%	Gatehouse BankGreen Fixed 5yr GHFU1741	EPC A or B required; purchase only	None at this tier

Compare Gatehouse Bank with the other UK providers

Rates read from the rate cards effective 6 August 2026 and 5 September 2026, still on the provider's live page when we checked on 9 October 2026. Its separate British expat and international resident rates are held but kept out of this grid, because they are not available to the same person.

What deposit does Gatehouse Bank require?

The maximum finance-to-value is not a single number. Gatehouse Bank publishes 7 of them, and which one applies depends on who you are and how much you need.

5% deposit UK resident, house and new build, purchase only, finance up to £600,000 Houses including new build, purchase only, up to £600,000. The personal page reads "Houses (including new build) up to 95%" and the above-80% guide HPPCG120826V2 sets a maximum of 95% finance-to-value for the purchase of new-build houses (both read 9 October 2026).

10% deposit UK resident, house, flat and new build, finance up to £750,000 Not available for new-build flats, which Gatehouse caps at 75% (see gatehouse-ftv-newbuild-flat). Corrected 22 September 2026; the note previously said new-build flats were capped at this level.

20% deposit UK resident, house, flat and new build, finance up to £2,000,000

25% deposit UK resident, British expat and international resident, finance up to £3,000,000 The personal page reads "80% of the property value or purchase price (whichever is the lower) up to £2m, 75% up to £3m, and 70% up to £5m, for UK residents, UK Expats and International resident" (read 9 October 2026). Corrected 9 October 2026; until then this tier was recorded for UK residents only.

30% deposit UK resident, British expat and international resident, finance up to £5,000,000 The personal page reads "80% of the property value or purchase price (whichever is the lower) up to £2m, 75% up to £3m, and 70% up to £5m, for UK residents, UK Expats and International resident" (read 9 October 2026). Corrected 9 October 2026; until then this tier was recorded for UK residents only.

20% deposit British expat and international resident, house, flat and new build, finance up to £2,000,000 Expat and international residents are separate customer scopes with their own product ranges. Their 80% applies up to £2m of finance: the personal page reads "80% ... up to £2m, 75% up to £3m, and 70% up to £5m, for UK residents, UK Expats and International resident", and the up-to-80% guide HPPCG040926V1 reads "80% up to £2m of Finance for UK Expats & International residents" (both read 9 October 2026). Corrected 9 October 2026; until then no finance limit was recorded.

25% deposit all applicants, new-build flat The personal page reads "New build flats up to 75% of the property value"; the up-to-80% guide HPPCG040926V1 sets a maximum of 75% finance-to-value for the purchase or refinance of new-build flats; the above-80% guide says they are not accepted above 80%. All three read 9 October 2026.

Minimum age 18 years, UK residents; 21 years, British expats and international applicants. Maximum age 75 or retirement earlier. Minimum finance £75,000.

Who can apply for Gatehouse Bank's Home Purchase Plan?

Gatehouse Bank publishes separate eligibility conditions for UK residents, British expats and international applicants, plus tier-specific finance-to-value criteria. Taken from its own pages on 9 October 2026.

Minimum age: 18 years, UK residents; 21 years, British expats and international applicants
Maximum age: 75 years. Maximum age 75 at the end of the finance term, or stated retirement age if earlier; maximum 70 at the point of application. Criteria guide HPPCG040926V1, effective 4 September 2026; the same wording appears in HPPCG120826V2.
Minimum finance: £75,000
Property location: England and Wales only

None of the criteria listed here differs between Gatehouse Bank's consumer and intermediary channels.

What fees does Gatehouse Bank charge?

Gatehouse Bank publishes 5 different fee structures, and the cheapest rate does not always carry the cheapest fee. A flat fee costs proportionally more on a smaller amount of finance.

Gatehouse Bank fees and early settlement charges by product type, checked 9 October 2026
Product type	Product fee	Application fee	Early settlement
2 years fixedabove 80% finance-to-value	£999	£149	2% year 1; 1% year 2
2 years fixedup to 80% finance-to-value	£499	£149	2% year 1; 1% year 2
2 years fixedup to 80% finance-to-value	£0	£0	2% year 1; 1% year 2
5 years fixedabove 80% finance-to-value	£999	£149	3%,3%,2%,2%,1%
5 years fixedup to 80% finance-to-value	£499	£149	3%,3%,2%,2%,1%
5 years fixedup to 80% finance-to-value	£0	£0	3%,3%,2%,2%,1%

Early settlement charges, if you repay or leave during the product period: 2% year 1; 1% year 2; 3%,3%,2%,2%,1%. Work out the total cost including fees

What we could not verify

2 questions remain unresolved on Gatehouse Bank. We publish them rather than fill the gap with an estimate.

The 2 open questions, with what we found

First Homes scheme acceptance The English First Homes scheme permits a home purchase plan where one is needed to comply with Islamic law. We have not verified which, if any, of the three mainstream providers currently accepts First Homes transactions. Raised 10 August 2026. Recorded as unresolved; not yet raised with the provider

Visa criteria applied to self-employed applicants Both HPP criteria guides advertise the product for employed, self-employed and contractor applicants. The additional requirements for foreign nationals without indefinite leave to remain include 12 months of continuous employment history and a signed UK contract of employment, which a self-employed applicant would not hold in that form. Recorded as unresolved; not yet raised with the provider

How we checked

Everything above comes from Gatehouse Bank's own published documents, read on 9 October 2026. We hold 40 rate records and 15 criteria facts for this provider, each carrying the source it came from.

The 3 source documents

Current HPP products for intermediaries Product/rate page · accessed 9 October 2026
Personal Home Finance overview Provider product page · accessed 9 October 2026
Our Shariah Approach Sharia governance page · accessed 9 October 2026

Rate review interval is 14 days, criteria 60. Changes are recorded publicly. See the change log · Read the full methodology

Compare Gatehouse Bank against the other providers

Common questions about Gatehouse Bank

What are Gatehouse Bank's Islamic mortgage rates?: We recorded 40 published products on 9 October 2026. The lowest published UK resident initial rate is 5.53%, on a product carrying EPC A or B; without that condition the lowest is 5.63%. Rates vary by deposit tier and fixed period, and fees are shown against every product above.
What deposit does Gatehouse Bank require?: Gatehouse Bank does not publish a single figure. We hold 7 finance-to-value rules for it, each with its own conditions. The highest ceiling we hold is 95%, which means a deposit from 5%. The top tier applies to UK residents, house or new build properties, purchase only, finance up to £600k; lower ceilings apply in other cases, down to 70% finance-to-value. Every tier is set out above.
Is Gatehouse Bank a real Islamic bank, and is it regulated?: Gatehouse Bank publishes FRN 475346 as its Financial Conduct Authority firm reference number. We record that as published and have not yet confirmed it against the FCA Register ourselves. Whether a product is Sharia-compliant is for the provider's own scholars and certification, which we describe rather than rule on.
What could you not verify about Gatehouse Bank?: 2 questions about Gatehouse Bank remain open in our register, listed on this page with what we tried. We publish the gap rather than filling it with an estimate.

Tell us what the published data could not answer

Everything above comes from what providers publish. Whether a provider will actually take you depends on affordability, credit history and the property itself, and on criteria nobody prints. Tell us what you are stuck on and we will come back to you.

Everything Gatehouse Bank publishes is above, including what we could not verify. Whether it would take you is decided in underwriting, which nobody publishes.