Email Address :- akram@stgeorgecommercial.co.uk
Student Accommodation Finance
Student Accommodation Finance
Student Accommodation Finance
Empowering Investment in the Growing Student Housing Sector
At St. George Commercial Finance Brokers Ltd., we specialise in tailored finance solutions for purpose-built student accommodation (PBSA) and traditional student property investments. Whether you’re an experienced developer or a first-time investor, we connect you with competitive funding options designed to support acquisition, construction, conversion, or refinancing of student housing assets.
We understand the unique dynamics of the student rental market — seasonal occupancy, university partnerships, and management structures. That’s why our advisors work closely with a wide panel of lenders who understand the nuances and profitability of this resilient sector.
From single-unit HMOs to large-scale PBSA developments, we ensure that your finance is structured for both short-term efficiency and long-term returns.
Key Features:
Financing for acquisition, development, or conversion
Support for HMOs and large PBSA projects
Refinance options to release capital or secure better terms
Lending available for UK residents, companies, and expat/international investors
Interest-only and bespoke repayment terms available
What is the criteria for Student Accommodation Finance
In general terms, the criteria for asset based financing include the following:
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Property Type
Must be a purpose-built student accommodation (PBSA) or HMO (House in Multiple Occupation) located in a recognised university town or city.
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Experience of Borrower
Preferred if the applicant has previous landlord or development experience, especially in the student housing sector. First-time investors may require stronger supporting income/assets.
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Minimum Loan Size
Most lenders have a minimum loan threshold, typically around £100,000, with larger sums available for development or multi-unit projects.
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Tenancy and Demand Evidence
Proof of student demand, such as proximity to universities, letting history, or pre-let agreements, strengthens the case.
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Borrower Type & Credit
Open to individuals, limited companies, LLPs, and international/expat investors (subject to enhanced due diligence). A clean credit profile or rationale for adverse credit is required.
Testimonials
“St. George helped us secure funding for our first PBSA project near Manchester University. Their insight into student housing and speed of execution were exactly what we needed.”
“We struggled to find lenders who understood the student rental model. St. George not only sourced competitive finance but helped us structure the deal for long-term success.”
“As an overseas investor, I appreciated how St. George handled the entire process with transparency. They secured finance on our student block in Liverpool without unnecessary delays.”
What types of student accommodation can I finance?
We offer finance for Purpose-Built Student Accommodation (PBSA), HMOs (Houses in Multiple Occupation), and conversions of existing properties into compliant student housing.
Do I need experience as a landlord to qualify?
While experience is preferred, it’s not essential. We work with both seasoned investors and first-time landlords, structuring deals accordingly.
Can non-UK residents or expats get student accommodation finance?
Yes. We support international and UK expat investors, subject to enhanced due diligence and proof of income/assets.
Is student accommodation finance available for refurbishment or development?
Absolutely. We offer funding for refurbishment, conversion, and ground-up development of student properties.
What loan terms are typically available?
Terms vary by project but generally range from 12 months (bridging) to 25 years (term finance). Interest-only and capital repayment options are available.
Frequently Asked Questions
Need Assistance ?
Whether you need assistance with financing or have a question about our services, our team is here to support you.
- 01273 855 711
- akram@stgeorgecommercial.co.uk