Student accommodation finance across the lifecycle
The structures we arrange to acquire, build, fund forward and refinance student accommodation, used alone or together.
We arrange finance across the full student accommodation lifecycle. Development finance funds a ground-up build, extension or conversion. Forward funding and forward commitment bring an institutional buyer in before completion. Bridging moves at site-acquisition pace. Stabilisation finance carries a completed scheme through lease-up to mature occupancy. An investment term loan or refinance lowers a rate, raises capital or exits a development facility. Mezzanine and equity fill the gap between senior debt and the sponsor's cash. Acquisition and investment finance funds the purchase of a standing asset. We model the right structure, run it across our lender panel, and place the facility that fits the scheme, the operator and the plan.
Student accommodation acquisition and investment finance
Senior investment debt to acquire a standing or operational purpose-built student accommodation scheme, or an asset let to an operator, sized on the income it produces and the yield it commands. We arrange the debt and test the scheme against the lenders active in PBSA.
Student accommodation development finance
The facility that funds a ground-up build, a conversion or a change of use into a purpose-built student accommodation scheme, drawn in stages through construction and repaid on completion, stabilisation or sale.
Forward funding and forward commitment for student accommodation
The institutional structure that lets an investor buy a student accommodation scheme before it is built, fund construction in stages and take the completed asset, while the developer delivers the scheme without carrying long-term debt.
Student accommodation bridging finance
Short-term bridging finance when speed matters: a site acquisition, an auction purchase, a planning play, a pre-development buy or a chain-break, refinanced onto development or investment debt once the longer-term plan is in place.
Student accommodation stabilisation finance
The facility that carries a newly completed student accommodation scheme through lease-up, from practical completion to the occupancy and income a long-term investment lender wants, replacing development debt and reducing the cost while the scheme matures.
Student accommodation investment term loans and mortgages
Long-term investment debt on a stabilised, income-producing student accommodation scheme: the commercial mortgage or term loan that holds the asset, sized on the rental income it produces, the operator and the lease or nomination structure behind it.
Student accommodation mezzanine finance and JV equity
The subordinated capital that sits behind the senior loan to stretch the capital stack on a student accommodation development, lifting total leverage and cutting the cash a developer must commit, through mezzanine debt, preferred equity or a joint-venture equity partner.
Student accommodation refinance
Refinancing your student accommodation to release equity from rising value, exit development or bridging debt onto a long-term investment loan, reprice onto better terms, or restructure a portfolio.
Student buy-to-let and HMO mortgages
Buy-to-let mortgages on property let to students: single houses, licensed student HMOs, small multi-unit freehold blocks, studio blocks and landlord portfolios, bought or refinanced in your own name or through a limited company. We arrange and place the mortgage with the lenders whose criteria fit the property, the licence and the rent.