Student Accommodation Finance

Finance purpose-built student housing developments.

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Answer a few questions for us to understand your business' needs

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Please note the minimum requirement is £5,000.

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What is Student Accommodation Finance?

Student accommodation finance provides funding for the purchase, development, or refurbishment of properties intended for student housing. With demand for student rental property remaining strong in university towns and cities, this type of finance helps landlords, investors, and developers maximise opportunities in the sector.

Types of Student Accommodation Finance

Options include development loans for new-build student halls, refurbishment loans for upgrading existing properties, commercial mortgages for long-term investment, and bridging finance for acquisitions ahead of term starts.

Define the Project

Outline your project scope, timeline, and funding requirements.

Choose the Right Finance Type

Commercial mortgages, bridging loans, or development finance.

Get a Property Valuation

To assess risk and determine how much you can borrow.

Apply and Secure Terms

Review offered terms with loan amount, interest rate, LTV (loan-to-value), and repayment structure.

Draw Down Funds and Manage Repayments

Funds are released, either as a lump sum or in stages (especially for development projects).

Compare Property Finance Deals Today

At Compare Property Finance, we make it easy to compare property based lending options from leading UK lenders.

Whether you're looking for commercial mortgages, property development finance, bridging loans, buy-to-let mortgages, or any other type of property funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.

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Benefits of Student Accommodation Finance

It offers access to a consistently high-demand rental market, often with reliable yields. Funding also enables investors to keep properties up to modern standards and meet student expectations, which boosts occupancy rates.

Ideal for property investors expanding portfolios in university hubs, developers building new student blocks, or landlords converting HMOs into purpose-built accommodation.

Things You Need to Know

Lenders often assess local demand, occupancy rates, and links to universities. Properties must comply with HMO licensing, safety, and energy efficiency regulations.

FAQs

Is student demand strong year-round?

Yes, especially in large university towns and cities.

Can I finance conversions into student housing?

Yes, refurbishment and conversion finance is available.

Are yields higher than standard rentals?

Typically yes, though costs for compliance may be greater.

Do lenders prefer PBSA (Purpose-Built Student Accommodation)?

Many do, due to stronger demand and returns.

What’s the usual loan term?

Terms vary, bridging loans may be 12 months, while mortgages stretch up to 25 years.

Disclaimer: Compare Property Finance helps UK firms find the right finance credit broker for access to business finance. Compare finds credit brokers, not lenders. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  

This website is operated by Spark Finance. Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).