Student accommodation finance by type
Every scheme type is built, let and underwritten differently. We know which lenders back each one.
Student accommodation lending is demand-led, and each scheme type is funded on its own tests by its own set of lenders. A purpose-built block turns on the depth of full-time student demand in the city and the operator covenant. A cluster scheme turns on the bed mix and direct-let performance. A nomination-backed scheme turns on the strength and term of the university agreement. A standing asset turns on stabilised occupancy and rental growth. We arrange finance across every accommodation type below, matching each scheme and operator to the lenders that actively back it.
PBSA
We arrange development, forward-funding, bridging, stabilisation and investment finance for developers and investors building, buying or holding purpose-built student accommodation across the UK. This is finance to fund PBSA as a property investment, not a student maintenance loan or help paying your rent.
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studios
We arrange finance for investors and developers buying, building or refinancing self-contained student studios, from whole studio-led schemes to individual leasehold units. This is finance to fund student property as an investment, not a student maintenance loan or help paying your rent.
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cluster schemes
We arrange development, stabilisation and investment finance for developers and investors building or holding PBSA cluster-flat schemes. This is finance to fund student accommodation as a property investment, not a student maintenance loan or help paying your rent.
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student HMOs
We arrange purchase, refurbishment and refinance finance for landlords and investors building portfolios of student houses in multiple occupation. This is finance to fund student property as an investment, not a student maintenance loan or help paying your rent.
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nomination-backed schemes
We arrange acquisition, investment and refinance finance on student accommodation let to a university or operator under a nomination agreement or lease. This is finance to fund PBSA as a property investment, not a student maintenance loan or help paying your rent.
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co-living schemes
We arrange development, stabilisation and investment finance for developers and investors building or holding co-living and student/co-living hybrid schemes. This is finance to fund the asset as a property investment, not a student maintenance loan or help paying your rent.
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standing assets
We arrange investment loans, commercial mortgages and refinance for investors buying or holding operational, income-producing student accommodation. This is finance to fund a standing PBSA asset as a property investment, not a student maintenance loan or help paying your rent.
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development and conversion sites
We arrange site acquisition, development and conversion finance for developers building or converting buildings into purpose-built student accommodation. This is finance to fund the scheme as a property investment, not a student maintenance loan or help paying your rent.
Learn moreFunding a student accommodation scheme?
Whatever the type, send us the outline and we will tell you what is fundable and on what terms.