Atelier Finance
Specialist LenderAtelier Finance is a specialist development lender with a published purpose-built student accommodation (PBSA) product. It funds professional PBSA developers across England, Scotland and Wales with facilities typically from £3m to £40m, structured around academic intake dates rather than HMO criteria.
About Atelier Finance
Atelier Finance is the lending brand of Atelier Capital Partners Limited, based at 94-96 Wigmore Street, London. The firm provides bespoke development, bridging, build-to-rent and care facilities. It is registered with the FCA for anti-money-laundering supervision (910090) and is not FCA-authorised to give regulated mortgage advice; its property loans are unregulated exempt agreements.
Atelier publishes a dedicated PBSA rate card and works with professional developers of purpose-built student accommodation across England, Scotland and Wales. Typical parameters include loans of £3 million to £40 million, terms of 12 to 36 months, gross loan to GDV around 70% (with discretion), and loan to cost up to 90%. Facilities can be structured so the build programme meets academic intake dates. This is development finance on PBSA blocks, not an HMO mortgage on a converted house.
Atelier also considers residential development, build-to-rent, care and bridging. Applications are handled through its originations team and professional intermediaries.
Lending Focus
Atelier Finance offers mortgage products across 4 categories including Commercial, Bridging, Development and 1 more.
Key Features
- Published PBSA development product for purpose-built student blocks
- Loans typically £3m to £40m across England, Scotland and Wales
- Terms of 12–36 months with rates from BBR + 5.75% on the PBSA card
- Up to around 70% LTGDV and 90% loan to cost, subject to credit
- Build programmes can be structured around academic intake dates
Pros & Cons
Pros
- Clear PBSA lending box, distinct from HMO buy-to-let
- Mid-ticket sizes that sit below the largest institutional desks
- Covers England, Scotland and Wales
- Can consider mezzanine or second-charge alongside senior
Cons
- –Not FCA-authorised for regulated mortgage advice
- –Minimum £3m excludes house-level student lets
- –Aimed at professional developers with a similar-scheme track record
Fees & Charges
- Arrangement Fee
- By arrangement on each facility
- Valuation Fee
- Independent valuation required
Mortgage Rates
Rate data coming soon. View rates on Atelier Finance
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- Specialist development credit — typically several weeks depending on the scheme
- Online DIP
- No — via broker or branch
- Offer Valid For
- As set out in the facility letter
Lending Criteria
- Maximum LTV
- 70%
- Max Loan Amount
- £40m
- Min Loan Amount
- £3000k
- Rate Types
- fixed, variable, tracker
Frequently Asked Questions
Does Atelier Finance lend on PBSA?
Yes. Atelier has a dedicated purpose-built student accommodation product for professional developers, with a published PBSA rate card.
Is this the same as an HMO mortgage?
No. Atelier’s PBSA facilities are development loans on purpose-built student blocks. They are not HMO mortgages for converted houses in multiple occupation.
What size PBSA loans will Atelier consider?
Published parameters are typically £3 million to £40 million, with terms of 12 to 36 months, around 70% LTGDV and up to 90% of cost, subject to the scheme.
Where does Atelier lend?
England, Scotland and Wales. Facilities are aimed at professional developers with a track record of similar schemes.
How to Apply
Broker only. Atelier Finance products are available through mortgage brokers. Find a broker with Atelier Finance on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
| Maslow Capital | Commercial, Bridging, Development+1 | Specialist | 70% |
| Fox Funding | Commercial, Bridging, Development+1 | Specialist | 75% |
| OakNorth Bank | Commercial, Bridging, Development+1 | Challenger | 75% |
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