Specialist finance for niche assets and structures. We know the right lenders and how to present these deals correctly.
UK student accommodation is structurally undersupplied — record student numbers, a shortage of quality purpose-built beds, and strong rental growth have made it an increasingly attractive asset class. Finance is available for both large institutional PBSA schemes and individual HMO student lets.
Purpose-Built Student Accommodation (PBSA) — larger institutional schemes of 50+ beds, typically funded through development finance with an operator pre-let. Lenders focus heavily on demand analysis, operator covenant, and the developer's track record.
HMO Student Lets — smaller properties (typically 4–10 bedrooms) let to student groups. These are bridging and light refurbishment deals at the individual investor level, often refinanced onto specialist HMO buy-to-let products on completion.
For PBSA development, the strongest applications combine a proven developer, an experienced operator, and a clear undersupply analysis for the target market.
Tell us about the asset and your requirements — we'll give you an honest assessment and indicative terms within 24 hours.
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