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?
Is this the same as an HMO mortgage?
What size PBSA loans will Atelier consider?
Where does Atelier lend?
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 |
|---|---|---|---|
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| BIG Property Finance | Commercial, Bridging, Development+1 | Specialist | 75% |
| Buzz Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
Related Articles
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.
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