Gatehouse Bank Reviews 

Brilliant service, Fiaz was amazing explaining in details and taking me through the whole process.

Ms Shaz Essa was very engaging, resourceful, efficient, and her attention to detail made the process seamless.

Thank you for your professionalism and it has been a pleasure working with you and Gatehouse.

Cheers.

We recently completed our remortgage with Gatehouse, and overall we’re very grateful for the support we received throughout the process.

Aisha Bibi was extremely helpful from the outset. She guided us through the initial stages quickly, thoroughly, and professionally, taking the time to explain everything clearly and answer our questions.

The process itself was quite lengthy, taking a few months to complete, and the amount of paperwork required was extensive. At times, it felt exhausting gathering and submitting all the necessary documentation. However, we understand that this reflects Gatehouse’s thorough due diligence and commitment to maintaining a transparent and open process.

Despite the challenges, we’re thankful that everything has now come to fruition. We’d like to thank Aisha Bibi and her colleagues for all their help and support in helping us secure our remortgage agreement with Gatehouse. Their professionalism, patience, and guidance throughout the process were greatly appreciated. Overall, we’re very pleased with the service we received and would happily recommend Gatehouse to others.

I am currently in the process of buying my first home. Fiaz has been brilliant so far. He's accurate, responsive and very friendly. Thank you so much Fiaz for your exceptional service and excellent advice.

I appreciated the help I received from Aisha Bibi in regard to my HPP. She was courteous and efficient.

We are in the process of purchasing our first home with Gatehouse. We've had great support from Shaz Essa as our advisor at the initial stages. She was very professional, friendly, quick to respond and explained everything clearly. She had our best interest in mind while taking into account our individual circumstances to advise on the most suitable product for us. Thank you Shaz!

Mr Mohammed Fiaz is very expert is a professional and very good ;
-Accessible and always respond to emails
-Explain in details about finance ,payment methold and 2 and 5 years fixed rate.Also explained about 5&10% deposit and yearly additional payment every year.
-He answered all questions from me and my wife
I and my wife thank Mr Mohammed Fiaz for help and to make meeting comfortable, clarification and professional and to help us to finish application form.Well done and keep it up.

I have had a great experience with the Gatehouse team. Aisha went above and beyond to support our mortgage application, keeping us informed throughout the process and always responding promptly to our questions. Her professionalism, dedication, and willingness to help made what could have been a stressful experience much smoother.

I would highly recommend Gatehouse and especially Aisha to anyone looking for excellent customer service and support with their mortgage application.

Good service and clearly explained products, good note keeping from previous calls.

I was disappointed that Gatehouse Bank wouldn’t allow me to move to a cheaper rate, even though my mortgage hasn’t started and the house‑buying process is still ongoing. Most lenders allow customers to switch to a better rate before completion, so it felt unnecessarily rigid.

For anyone applying in future: once Gatehouse issues you a rate, they won’t let you change it - even if better deals come out before your mortgage begins. Overall, the experience could be more accommodating and customer‑focused.

Shaz has been brilliant - extremely helpful and explained everything from start to finish. Credit to the company

A very smooth and positive experience. Mohammed Fiaz was extremely responsive, thorough and knowledgeable in all matters required

As an international investor, I applied to Gatehouse Bank for a buy-to-let mortgage on a property in Leeds. After months of back-and-forth, I would not recommend them to anyone in a similar situation.

The process was marked by information requests that came in waves — each batch resolved, only to be followed by another — with no clear overview of what was ultimately needed or when a decision could be expected. This dragged on for months and cost significant time and money.

What I was never clearly informed of upfront is that Gatehouse Bank operates as a Sharia-compliant lender. Had this been communicated from the start, it would have allowed both parties to assess fit much earlier. Instead, it only became apparent late in the process that our short-let proposition was incompatible with their financing model. A basic eligibility check at the outset would have saved everyone considerable effort — and, for an international applicant navigating an unfamiliar market, the lack of clarity was particularly costly.

Additionally, the independent valuation they commissioned came in more than 30% below comparable sales in the same apartment complex — a significant discrepancy that materially affected the loan-to-value calculation and left us with far less financing than expected.

I have no doubt Gatehouse Bank serves certain customers well. But for an international investor with a short-let buy-to-let structure, the lack of transparency about their financing model, the drawn-out information process, and a valuation that appears disconnected from the local market made this a frustrating and costly experience.

Throughout our application process, Mohammed was incredibly prompt, professional, and responsive to any questions we had. His guidance and support made the entire process much smoother and less stressful.

Mohammed kept us informed at every stage, ensuring we understood what was required and what to expect next. His dedication to providing outstanding customer service was evident throughout, and we truly appreciated his efficiency and attention to detail.

I would highly recommend Gatehouse Bank and would especially like to thank Mohammed Fiaz for his exceptional support and commitment. A real credit to the team.

Really appreciated the help and guidance from Shaz Essa. She answered all my questions and helped guide me through the process

AVOID AVOID AVOID

I am extremely disappointed with my experience with Gatehouse Bank. Before submitting a full application, I obtained a Decision in Principle which appeared to indicate that the finance amount I required was achievable based on my salary ONLY. At no stage was I made aware that affordability could be a significant issue to the extent that it would prevent the application from succeeding.

I was encouraged to proceed with a full application and pay the £149 application fee, putting emphasis on overtime (which made no sense because the DIP was an indication based on SALARY alone, no overtime. Only to later be told that affordability was a problem and that the amount available was substantially lower than expected. Had I been given clear and accurate information about affordability from the outset, I would never have submitted the application or paid the fee.

The process felt rushed, with pressure to proceed quickly, and I now feel that the information provided before payment did not accurately reflect the likelihood of the application being approved at the level requested. As a result, I have paid a fee for an application that, based on the information later provided, appears to have had little prospect of success.

I appreciate that lenders have underwriting criteria, but customers should be given transparent and realistic expectations before being asked to pay non-refundable fees. My experience has left me feeling misled and frustrated. & 0 interest in trying to assist other than saying unless you have can make the difference, which was in excess of 34,000 plus my deposit - which is an absolute joke. This is meant to assist young Muslims but you should be ashamed of yourselves

Update 10/06/2026 - I have not received any contact other than an email to say you’ve received my complaint I have already made a formal complaint too

We really appreciate the help provided by Shaz Essa from Gatehouse bank. Her advice was clear, giving us step by step guidance which was simple to understand and personalised to our lifestyle. She also gave us the time and effort to ensure our exceptions were heard, allowing us to continue with Islamic finance. We look forward to completing the home purchase plan with them.

To Aisha Bibi,

We would like to say thank you very much to Aisha Bibi for all your help and support. It was challenging from the beginning due to some communication issues which became understandable along the process. These ups and downs are usually normal in these kind of applications. But all in all the experience was excellent and we got there at the end.

I had a great experience with Mohammed Fiaz. He was supportive, and professional throughout the whole process. He explained everything clearly and was always willing to help. I really appreciate his excellent customer service.

Considering this was my first experience with applying for mortgages, Gatehouse have really been faultless. Especially my advisor - Rana Faza - she was incredibly patient and thorough as she explained each step of the process in a way to ensure I understood everything. I would recommend this service to anyone seeking an Islamic mortgage!