01 / 34 · The House · LTV
Ninety-five percent of a house.
Gatehouse will go to 95% on some houses. StrideUp advertises 90%. High leverage in a musharakah is not a gift. It is more rent on a share you do not yet own.
The Mizan desk · 7 September 2026 · 9 min
Gatehouse’s public criteria: houses, including new-build, up to 95% of value; new-build flats up to 75%; 95% only up to £600,000 of property value for UK-resident purchases; finance from £75,000 to £5 million, and a conversation above that to £10 million. England and Wales. Not a Scottish close. Not a promise to a cladding file.
StrideUp publishes up to 90% finance-to-value. High LTV is the British first-time-buyer demand colliding with a partnership that still has to be a partnership. Your deposit is your initial share. The rest is the bank’s. Rent is due on their share. A 95% plan is a large lease on day one.
A 5% deposit is still 5% of a real purchase. The other 95% is still theirs until you buy it.
What the extra points cost
Every extra percent the bank owns is extra rent, extra units to buy, extra destruction risk sitting on their side of the ledger — if the documents are real. If the documents are a loan, high LTV is just a bigger coupon. The deposit still has to be clean money: not a family qard dressed as equity, not a crypto gain you have not purified, not a haram bonus you have decided not to notice.
Stress the rent reset, not just the day-one debit. A 95% plan that reviews in two years can move a household more than a 75% plan at a prettier rate.