Expat mortgage provider
Gatehouse Bank
Specialist UK property finance bank
Buy-to-let finance for international residents and UK expats, secured on property in England and Wales. It does not finance property overseas.
At a glance
- Provider type
- Specialist UK property finance bank
- Global reach
- Very high residence reach
- Primary audience
- UK expats and international residents financing investment property in England and Wales
- Destination markets
- England & Wales
- Borrower residence coverage
- 190+ locations
- Property purpose
- Buy-to-let
- Foreign-currency income
- Overseas income, subject to policy
- Complex income
- Policy dependent
- High-value finance
- Up to £10m stated
- Regulatory model
- Direct specialist bank
- Pricing model
- Public criteria
What type of mortgage provider is this?
Gatehouse Bank is a specialist UK property finance bank. It lends its own buy-to-let products on property in England and Wales. It is not a broker and it does not finance property abroad.
A broker may compare lenders. A direct bank offers its own products. This affects product choice and how the service should be compared.
Who it may suit
Gatehouse Bank may be relevant to UK expats and international residents financing investment property in England and Wales.
Where can you finance property?
The property is in England and Wales. This is not finance for a home or an investment outside the UK.
Where can borrowers live?
Applications are considered from 190+ worldwide locations. That does not mean every location is accepted on every case.
Main home, second home or investment property?
The published product is buy-to-let and investment property finance. It is not described as a mortgage for a home you will live in.
Lender criteria can differ for a primary residence, a second or holiday home, a buy-to-let, an investment, and commercial or development finance. Only the purposes named above are taken from this provider’s published material.
Foreign-currency income
Published material says 100% overseas income can be accepted, subject to policy. That is not acceptance of every currency or every file.
Salary paid abroad, bonuses and a mortgage in another currency can be assessed differently from local income. This page does not set out a lender’s affordability formula. Exchange-rate movements can change the real cost of repayments after completion.
Self-employed and complex income
Self-employed and complex income are policy dependent.
Self-employed applicants, company directors, contractors, bonus or commission, rental income and income in more than one currency are separate questions. Ask which of them this provider will actually put to a lender.
High-value and private-bank finance
Finance up to £10 million is stated for qualifying cases. Confirm the current limit. It is not an offer, and it is not a loan-to-value.
A larger loan, a private-bank relationship or assets under management can be relevant to underwriting. Assets do not automatically secure approval.
Regulatory and broker model
Gatehouse Bank is a direct specialist bank. Some buy-to-let lending is not FCA-regulated. The permission should be read for the product, not assumed for every mortgage.
Provider model: Direct specialist bank.
What the mortgage can cost
Criteria and product documentation are public. This page does not repeat a rate or a fee. Request a current illustration.
A mortgage can include a broker fee, an arrangement or lender fee, valuation, legal fees, bank administration, mortgage registration, insurance where it is required, currency conversion and local property taxes. Request a written illustration or fee schedule before proceeding.
Documents lenders commonly ask for
Identity
Passport or other identification. The lender says which document it will accept.
Residence
Evidence of address and of where you currently live.
Income
Payslips, tax returns or company accounts, depending on how you are paid.
Banking
Account history and existing commitments.
Property
Reservation or purchase documents, and a valuation the lender commissions.
Source of funds
The deposit source and financial history may be requested.
Exact requirements vary by lender and jurisdiction. WiT Access does not collect these documents.
Questions to ask
These are questions for the provider. This page does not answer them for a particular application.
Do you lend directly or act as a broker?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Which property countries do you currently cover?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Which borrower-residence countries do you accept?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Do you accept income in my currency?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
How is foreign-currency income assessed?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Do you work with self-employed applicants?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Can you use rental income?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Do you support buy-to-let?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Do you handle high-value mortgage cases?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
How much deposit might be required?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Which lender fees apply?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Do you charge a broker fee?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
When is the broker fee payable?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Is the fee refundable if the mortgage does not complete?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Which entity provides the regulated advice?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Which regulator applies?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Do you search a lender panel or only selected lenders?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Can you coordinate valuation or legal work?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
What documents will lenders usually require?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
How long is a mortgage offer typically valid?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
What happens if exchange rates move before completion?
Ask Gatehouse Bank directly. The published material reviewed for this page does not answer this for your application.
Sources and review
Reviewed 7 October 2026.
- Service page
https://gatehousebank.com/intermediaries/international-and-uk-expat-buy-to-let
The provider’s published service description used for this page.
- Provider page
https://gatehousebank.com/intermediaries/
A further public page from the provider. It does not mean WiT Access has an agreement.
Information is based on publicly available provider information reviewed by WiT Access. Mortgage products, interest rates, lender criteria, residence eligibility, fees and regulatory requirements can change.
WiT Access provides general information and comparison resources. Mortgage availability, rates, fees, loan-to-value limits, affordability requirements and borrower eligibility vary by lender, property, residence, currency and individual circumstances. Nothing on this page constitutes mortgage, financial, tax, legal or investment advice.
WiT Access does not determine mortgage eligibility or approve mortgage applications.
Where regulated mortgage advice is required, it should be provided by an appropriately authorised adviser or lender.