Gatehouse Bank
By Adam Parker · Reviewed 2026-06-29 · FCA regulated · PRA bank
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.
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 29 June 2026
Sharia structures offered
- · Diminishing Musharaka
- · Ijara
- · Murabaha
Pros
- ✓ PRA-regulated bank.
- ✓ Competitive on owner-occupier commercial property £500k+.
- ✓ States its Sharia Supervisory Board reviews structures and issues an 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
Gatehouse reports a Sharia Supervisory Board of UK and international scholars and publishes an annual fatwa. Confirm the current board and published fatwa with the bank directly.
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.
Not sure this is the right fit?
Tell us ticket size, the asset or use case, trading history and sector. We match you against the right Sharia-compliant route and the wider FundBiz specialty panel where a conventional structure fits better. Limited companies, LLPs and partnerships of 4+ only.
Check eligibility →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Editorial only. We are not an FCA-authorised adviser, and Gatehouse Bank did not pay for or pre-approve this review. See our methodology. Last reviewed: 2026-06-29.