Gatehouse Bank has expanded its buy-to-let (BTL) product range for UK residents, introducing new fee structures aimed at giving landlords more flexibility in choosing finance that suits their investment strategies.
From today, the bank will offer 5% and 7% product fee options on both two-year and five-year fixed-term products. This expansion means Gatehouse’s buy-to-let rental rates now start from 3.39%, widening the choice available to landlords seeking competitive terms.
The product line-up includes both standard and green finance products, as well as specialist options for Houses in Multiple Occupation (HMOs) and Multi-Unit Freehold Blocks (MUFBs). Applications are accepted from individuals as well as UK-registered Special Purpose Vehicle (SPV) limited companies, which are often used by landlords to purchase and manage rental properties.
The bank’s green home finance range continues to offer reduced rental rates for customers acquiring or refinancing properties with an energy efficiency rating of A or B. In addition, Gatehouse will offset the carbon emissions generated by the average UK property for the initial fixed term of the product, reinforcing its sustainability credentials.
Gemma Donnelly, Head of Customer Propositions at Gatehouse Bank, said the changes were designed to enhance choice for investors: “We are continuously looking for ways to help our customers achieve their property investment goals and our new fee options will offer more choice while ensuring we remain competitive within the market.
We are committed to supporting prospective landlords within the UK to find suitable property finance to suit their needs and we hope that today’s changes can help even more individuals to find an option that works for them.”
As a Shariah-compliant bank, Gatehouse charges rental rates rather than interest rates, reflecting the proportion of the property owned by the customer.
The move highlights the growing competition among lenders in the UK’s buy-to-let sector, which remains a significant part of the housing market despite pressure from rising costs, regulatory changes, and shifting tax rules.
For more on recent developments in the buy-to-let market, including mortgage rate trends and tax changes landlords must prepare for, see our feature: Buy to Let Mortgage Trends & Tax Rumours Landlords Must Know.
