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Student mortgage lenders
Ranked shortlist of lenders in our directory with student focus.
Reviewed by David Sampson, Founder & Director
Shortlist
Lenders in our directory with student focus, ordered as below.
| # | Lender | Verified | Rating |
|---|---|---|---|
1 | |||
2 | |||
3 | - | ||
4 | |||
5 |
How this list is built
We use transparent directory signals only — no paid placement. Lenders must show active student focus in our lender directory data. Order is based on active status, lender type grouping, then alphabetical tie-break. This is directory ordering, not a personal recommendation or financial advice.
FAQs
What is student accommodation finance?
Student accommodation finance is a specialist mortgage for properties used to house students, including purpose-built student accommodation (PBSA), HMOs for students, and student housing investments. These mortgages consider the unique rental patterns of the student market.
What types of student accommodation can I get finance for?
Student accommodation finance is available for purpose-built student accommodation (PBSA), HMOs for students, student houses, and other student housing properties. The specific criteria and terms vary depending on the property type and location.
What deposit do I need for student accommodation finance?
Student accommodation mortgages typically require deposits of 30-35% of the property value, though this can vary based on your experience, the property location, and the lender's criteria. Higher deposits may be required for new operators.
How is rental income assessed for student accommodation?
Lenders assess rental income based on location, university proximity, occupancy rates, and market conditions. They may use stress tests and consider the property's potential for year-round income, not just academic year performance.
Can I get student accommodation finance for any property?
Student accommodation finance is available for properties suitable for student housing, including houses, apartments, and purpose-built accommodation. The property must be in a location with student demand and meet local regulatory requirements.
Do I need experience to get student accommodation finance?
Most lenders prefer borrowers with previous student accommodation experience, though some may consider applications from those with relevant property investment backgrounds and strong management teams.
What are the regulatory requirements for student accommodation?
Student accommodation must comply with local regulations, including HMO licensing, health and safety requirements, and planning permission. Some areas may require specific licenses or permits for student housing.
Can I get student accommodation finance for a property I plan to convert?
Yes, though conversion projects may require higher deposits and more detailed planning. You'll need to demonstrate that the conversion meets all regulatory requirements and has appropriate facilities for student accommodation.
What happens if student numbers decrease?
Lenders expect some variation in student numbers and typically require you to demonstrate sufficient reserves to cover mortgage payments during difficult periods. Some lenders may require 6 months' payments in reserve.
Can I get student accommodation finance with adverse credit?
Some specialist lenders may consider student accommodation finance for borrowers with minor credit issues, though the criteria may be stricter. You'll typically need a larger deposit and may face higher rates.
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Top University Locations for Landlords in 2026
Stoke and Plymouth emerge as top locations for landlords in 2026, offering strong rental yields in the student property market.
7 Sept 2026Student
Student Accommodation Mortgages: Complete Investment Guide
Complete guide to student accommodation mortgages. Learn about student rental investment, yields, and financing options.
29 Sept 2025Student
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 details directly and seek independent advice before making financial decisions.