Gatehouse Bank
Gatehouse Bank plc is a UK-regulated Shariah-compliant challenger bank, founded in 2007 and headquartered in London, offering savings, home finance, buy-to-let and commercial deposit products to retail customers, property investors, UK expats and ethical savers across the UK.
- Company typePrivate
- Founded2007
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Gatehouse Bank does
Gatehouse Bank plc is a UK-regulated Shariah-compliant challenger bank founded in 2007 and headquartered in London, with additional offices in Birmingham, Milton Keynes and Wilmslow. The bank is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority, and operates as a subsidiary of Gatehouse Financial Group Limited. It serves retail customers, buy-to-let investors, UK expats, international residents and ethical savers through a portfolio of savings products (Easy Access, Fixed Term Deposits, 95/120 Day Notice Accounts, Cash ISAs and the tree-planting Woodland Saver range), home finance products (Home Purchase Plan and Green Home Finance), Buy-to-Let mortgage alternatives and commercial deposits. Deposits are FSCS-protected up to £120,000 and the bank offers finance up to six times income subject to eligibility criteria on its Home Purchase Plan.
Gatehouse distributes through three primary channels: a direct-to-consumer digital platform (website, mobile app, telephone support) for retail savings and home finance, a dedicated Intermediaries division serving brokers and professional introducers for mortgage and buy-to-let products, and a commercial banking desk for business deposits. Profit rates are quoted in place of interest in line with Islamic finance principles, with fixed-term products ranging from 6 months to 5 years. Marketing emphasises ethical and sustainable positioning through the Woodland Saver tree-planting initiative, Green Home Finance for energy-efficient properties and educational content around Shariah-compliant banking.
Revenue is generated through net returns on the savings and lending book (deposit gathering, home purchase plan financing, buy-to-let financing, commercial deposits) and ancillary product fees; the bank has not publicly disclosed revenue figures. In April 2026 Gatehouse divested its vertically integrated residential platform, Gatehouse Living Group (Gatehouse Investment Management and Ascend Properties, managing over 10,000 UK build-to-rent homes), to Apollo Global Management-managed funds, explicitly to support a long-term retail growth strategy. The bank is led by CEO Charles Haresnape alongside COO Tim Blease, CRO Usman Chaudry, CFO Danesh Mahadeva and CCO Paul Stockwell.
Gatehouse Bank firmographics
Firmographics- Name
- Gatehouse Bank
- Legal name
- Gatehouse Bank plc
- Website
- https://gatehousebank.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Gatehouse Bank plc is a UK-regulated Shariah-compliant challenger bank, founded in 2007 and headquartered in London, offering savings, home finance, buy-to-let and commercial deposit products to retail customers, property investors, UK expats and ethical savers across the UK.
- Ownership category
- akta.pro rank
Gatehouse Bank industry classification
Industry- Product category
- Shariah-Compliant Retail Banking
- NAICS
- Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Commercial Banking (522110)
- SIC
- Functions Related To Depository Banking, Nec (6099), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Islamic Retail Banking (FSABAGAA)
- akta.pro secondary industries
- Islamic Deposit & Account Products (Current/Savings/Investment Accounts) (FSABAGAI), Islamic Corporate Banking (FSABAGAC), Green/Ethical/Sustainable Neobanks (FSABAFAI)
Keywords
Where Gatehouse Bank is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
Gatehouse Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Compliance/Regulatory, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Retail Savings Products: Accepts retail deposits through savings accounts including Easy Access, Fixed Term Deposits, Notice Accounts, and Cash ISAs. Operates under Shariah principles where profit is shared rather than interest charged.
- Home Finance: Provides Shariah-compliant home purchase plans as alternatives to conventional mortgages for residential property purchases, with rental rates starting around 4.55% for five-year fixes.
- Buy-to-Let Finance: Offers buy-to-let mortgage alternatives for UK residents, expats, and international investors. Products include purchase plans and refinancing options for landlords.
- Commercial Deposits: Accepts commercial deposits from business customers, supporting the bank's funding base for lending activities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 3 Year Fixed Term Woodland Saver - 3.85% AER |
| Subscription | Annual | 2 Year Fixed Term Woodland Saver - 3.90% AER |
| Subscription | Annual | 18 Month Fixed Term Woodland Saver |
| Subscription | Annual | Buy-to-Let Refinance Fee Saver Products |
| Subscription | Annual | Home Purchase Plan Rates |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Gatehouse Bank product offering
Product offeringCore offering
Gatehouse Bank is a UK Shariah-compliant retail bank offering ethical savings products (Woodland Saver, Easy Access, Fixed Term Deposits, Notice Accounts, Cash ISAs, Regular Saver), Home Purchase Plans as alternatives to conventional mortgages, Buy-to-Let finance for UK residents, expats and international investors, and Green Home Finance for energy-efficient properties. The bank also accepts commercial deposits from businesses and distributes products via a dedicated intermediaries/broker channel, operating under Islamic finance principles where profit is shared rather than interest charged.
Product overview
Gatehouse Bank is an Islamic/ethical UK bank operating since 2007, offering Shariah-compliant banking products. The bank provides a unified platform of savings products (including Woodland Saver accounts, Easy Access, Fixed Term Deposits, Notice Accounts, and Cash ISAs) alongside Home Finance (Home Purchase Plans) and Buy-to-Let mortgage alternatives. The company positions itself as an ethical banking alternative, with products aligned to Islamic finance principles including profit-sharing rather than interest. The product portfolio emphasizes sustainability through Woodland Saver accounts and Green Home Finance for energy-efficient properties.
Differentiator
Problem solved
Functional benefit
Brands
- Woodland Saver: Savings accounts where the bank plants a tree in UK woodlands for every account opened or renewed. Previously named 'Green Saver'. Operates under Shariah principles generating profit rather than interest.
- Green Home Finance
- Home Purchase Plan
Products and services
- Woodland Saver Accounts Shariah-compliant savings accounts under which a tree is planted in UK woodland for each account opened or renewed. Available in fixed-term variants from 6 months to 5 years, plus notice and easy access forms, with profit rates quoted as Expected Profit Rate (EPR) rather than interest. Designed for UK retail savers seeking ethical returns with FSCS protection up to £120,000.
- Home Purchase Plan Shariah-compliant alternative to a conventional mortgage for UK residents purchasing residential property, with the option to finance up to six times income where eligibility criteria are met. Replaces interest with a rental/profit-sharing structure under Islamic finance principles.
- Easy Access Account Instant access Shariah-compliant savings account with no notice period required for withdrawals. Available to UK retail savers seeking flexible access to FSCS-protected funds under Islamic finance principles.
- Regular Saver Account Monthly Shariah-compliant savings account designed for regular deposits by UK retail customers building savings over time under Islamic finance principles.
- Fixed Term Deposits Shariah-compliant fixed-term savings accounts with terms ranging from 6 months to 5 years, offering guaranteed Expected Profit Rates (EPR) replacing conventional interest. Available to UK retail savers seeking FSCS-protected term deposits under Islamic finance principles.
- Notice Accounts (95 Day and 120 Day) Shariah-compliant savings accounts requiring 95 or 120 days' advance notice for withdrawals, offering competitive Expected Profit Rates. Designed for UK retail savers seeking higher returns than instant access while retaining some flexibility.
- Cash ISA (Easy Access and Fixed Term) Shariah-compliant Individual Savings Accounts (ISAs) available in Easy Access and Fixed Term variants, including Woodland Cash ISA options. Designed for UK residents using their annual ISA allowance under Islamic finance principles with FSCS protection.
- Green Home Finance Shariah-compliant home finance products designed to support homebuyers and landlords purchasing or refinancing energy-efficient properties. Combines Islamic finance principles with green/sustainability criteria for property finance.
- Buy-to-Let Products Shariah-compliant Buy-to-Let mortgage alternatives for UK residents, expats, and international residents purchasing or refinancing UK rental property. Includes purchase plans and Refinance Fee Saver options for first-time landlords and established professionals.
- Commercial Deposits Shariah-compliant business savings and deposit products for UK commercial customers, supporting the bank's funding base for lending activities. Offered under Islamic finance principles with profit-sharing rather than interest.
Quantifiable outcome
- Finance up to six times income where eligibility criteria are met
- +1 more outcomes
Companies that use Gatehouse Bank
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Gatehouse Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Gatehouse Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
Gatehouse Bank competitors and assessment
Company assessmentDirect peers
- Bank of London and the Middle East (BLME): BLME is a UK-regulated Islamic bank offering Shariah-compliant savings, property finance, and wealth solutions. It overlaps directly with Gatehouse's savings and property finance proposition and competes for the same pool of UK-based Islamic finance customers.
- Al Rayan Bank: Al Rayan Bank is the largest Shariah-compliant retail bank in the UK, offering savings, home purchase plans, and buy-to-let products. It is the closest direct competitor to Gatehouse Bank, serving the same Muslim and ethically minded UK customer base with a similar product set.
Emerging players
- Ecology Building Society: Ecology Building Society is a UK ethical savings and mortgage provider funding environmentally sustainable housing. It competes with Gatehouse for ethical UK savers and in the green mortgage space, though it operates a conventional mutual/building society model rather than Islamic finance.
- Triodos Bank UK: Triodos Bank UK is a sustainable/ethical challenger bank offering savings accounts, ISAs, and business banking aligned to ESG principles. It competes with Gatehouse for ethically minded UK savers and shares the ESG-led differentiation, but Triodos is conventional (interest-based) rather than Shariah-compliant.
- Abu Dhabi Islamic Bank (ADIB): ADIB is a leading Gulf-based Islamic bank offering retail savings, home finance, and BTL products. Comparable to Gatehouse as a Shariah-compliant retail and property finance provider, though ADIB primarily serves MENA rather than UK customers and operates at significantly larger scale.
Broad incumbents
- Aldermore Bank: Aldermore is a UK challenger bank specializing in savings, mortgages, and buy-to-let finance for SMEs and landlords. It is a direct competitor to Gatehouse in the specialist BTL and savings space, but operates a conventional rather than Shariah-compliant model at larger scale.
- Principality Building Society: Principality Building Society is a large Welsh-based UK mutual offering savings, mortgages, and buy-to-let products. It competes with Gatehouse in UK retail savings and BTL and offers a comparable mid-sized incumbent benchmark.
- Coventry Building Society: Coventry Building Society is a major UK mutual offering a broad range of savings accounts, ISAs, and mortgages. It competes head-to-head with Gatehouse on the UK savings rate tables and provides a useful benchmark for retail savings pricing and scale economics in the UK market.
Regional players
- National Bank of Kuwait (NBK): NBK is one of the largest conventional banks in the Middle East with a UK branch serving private and corporate banking clients, including Islamic finance offerings. It overlaps with Gatehouse in serving Gulf-based expats investing in UK property, though at much larger scale and with a wider product suite.
- Qatar National Bank (QNB UK): QNB operates a UK branch offering conventional and Islamic banking services to corporate and private clients. It is comparable as an Islamic-banking-led UK presence serving expats and high-net-worth Gulf-linked customers, though its product set is broader and corporate-focused.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Gatehouse Bank social profiles
Digital presenceGatehouse Bank compliance and trust
Trust signalCompliance3 records
Gatehouse Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gatehouse Bank leadership team
Management profileNumber of profiles
Profiles5 records
Gatehouse Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Gatehouse Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gatehouse Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gatehouse Bank
What does Gatehouse Bank do?
Gatehouse Bank is a UK Shariah-compliant retail bank offering ethical savings products (Woodland Saver, Easy Access, Fixed Term Deposits, Notice Accounts, Cash ISAs, Regular Saver), Home Purchase Plans as alternatives to conventional mortgages, Buy-to-Let finance for UK residents, expats and international investors, and Green Home Finance for energy-efficient properties. The bank also accepts commercial deposits from businesses and distributes products via a dedicated intermediaries/broker channel, operating under Islamic finance principles where profit is shared rather than interest charged.
Is Gatehouse Bank a public or private company?
Gatehouse Bank is a private company. It is classified as corporate owned and is currently operating.
When was Gatehouse Bank founded?
Gatehouse Bank was founded in 2007. It employs 101 to 250 people.
Where is Gatehouse Bank based?
Gatehouse Bank is headquartered in London, United Kingdom, in the Europe region.
How does Gatehouse Bank make money?
Four revenue lines are on record. Retail Savings Products are the primary driver. The others are home Finance, buy-to-Let Finance and commercial Deposits.
Who are Gatehouse Bank's main competitors?
Direct peers on record are Bank of London and the Middle East (BLME) and Al Rayan Bank. Emerging players are Ecology Building Society, Triodos Bank UK and Abu Dhabi Islamic Bank (ADIB). Broad incumbents are Aldermore Bank, Principality Building Society and Coventry Building Society. Regional players are National Bank of Kuwait (NBK) and Qatar National Bank (QNB UK).
Does Gatehouse Bank have an API?
No public API is recorded for Gatehouse Bank.
What industry is Gatehouse Bank in?
Gatehouse Bank's product category is Shariah-Compliant Retail Banking. Its primary akta.pro industry code is FSABAGAA, Islamic Retail Banking, with a secondary code of FSABAGAI, Islamic Deposit & Account Products (Current/Savings/Investment Accounts). Its NAICS code is 5221 and its SIC code is 6099.