Gatehouse Bank launches commercial property finance products


Paul Stockwell Gatehouse Bank

Gatehouse Bank has today launched a new range of commercial property finance products to expand its real estate finance activities.

The Bank is targeting businesses and investors looking to acquire or refinance commercial property investments and mixed use or owner-occupied commercial premises.

Finance of between £500,000 and £2m is available to UK residents and companies, as well as expat and international clients. The Shariah-compliant bank is also taking on the specialist financing market with a focus on flexible underwriting and personal relationship managers, who will provide a single point of contact from application through to completion.

Unlike many conventional providers, Gatehouse Bank will assess each transaction on its own merits and there are no early settlement charges if clients exit at agreed break points.

Clients will be able to finance up to 70% of the value of commercial properties including offices, industrial units, purpose-built student accommodation and retail property with part residential.

Product details for UK residents and companies:


Product Up to

60% FTV*

Up to

70% FTV*

Follow-on Profit Rate Term Early Settlement charge**
Commercial Investment 5yr Fixed 4.75% SVR + 0.35% 5-10yr Profit only

5-20yr Amortising

No early settlement charges if settled at agreed break points
5.15% SVR + 0.50%
Semi Commercial 5yr Fixed 4.39% SVR + 0.35%
4.79% SVR + 0.50%
Owner Occupied 5yr Fixed 4.80% SVR + 0.35%
5.20% SVR + 0.50%


The new products are available directly from the Bank or via brokers, and clients can choose between ‘amortising’ or ‘profit-only’ — the Shariah-compliant equivalents of conventional repayment and interest-only.

When choosing ‘profit-only’, instead of paying the capital element alongside the amount the Bank earns for providing the finance, the client makes a balloon payment at the end of the term.

The launch of the Bank’s new commercial property finance offering follows the recent appointment of Lindsey Griffiths as Commercial Finance Manager. Lindsey brings over 14 years’ experience of the UK finance market to her new role and joined Gatehouse Bank from Aldermore, where she held a number of roles, most recently as Commercial Lending Manager.

Paul Stockwell, pictured, Chief Commercial Officer at Gatehouse Bank, said:

“We’ve already built up quite a following in the property space so, with these products, we’re really trying to position ourselves as leaders in every sphere, whether that’s commercial property finance, Build To Rent or Buy To Let.

“Our customers already include investors, asset managers and developers. We know many of them often need more than one type of property finance, so it makes complete sense for us to cover all bases like this.

“We have seen growing demand for finance under £2million over the last 12 months and are confident that our competitive terms, bespoke underwriting and personalised relationship management will prove to be significant draws.”