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Student Accommodation Investment

Student Accommodation Investment

We understand the appeal of investing in student accommodation. That’s why our investment property loan is designed to deliver maximum return. Our specialists in real estate finance are on hand to help you realise your ambitions in this growing market.

What is Student Accommodation Investment?

Student accommodation investment assists you with the refinance or purchasing of assets operated as student housing, including purpose-built student accommodation (PBSA).

Our specialised investment property loan is designed to fund your work in freehold or long leasehold student properties.

Get in touch

Our expert team is here to guide you through your journey. Tell us about your needs, and we will be happy to help.

Contact us

If you already have a relationship with one of our team members please visit, Meet the team.

How does it work?

Our investment loan can be used on existing units including HMO houses, studios, and shared apartments in low- or high-rise blocks.

Today’s student accommodation market provides exclusive and high-quality living experiences for both UK and international students. These developments offer something different compared to traditional halls of residence, making them an attractive addition to any investor’s portfolio.

We provide single and multiple tranche options when you want to drawdown your loan. Our goal is to make your loan work for you.

Who is it for?

Student accomodationThis tailored investment funding is available to individuals, partnerships and experienced UK corporate borrowing entities who offer an evidenced track record of previous investment in the student housing sector.

Though our loans provide flexibility and excellent opportunities for investors, there are some things to consider before applying.

Here at Secure Trust Bank, we pride ourselves on creating a portfolio of successful investment opportunities and taking extra measures to ensure your new venture is both rewarding and profitable.

As part of this, we will consider the location and student population in the area you plan to invest.

Key features

Facility type Investment loan
Minimum loan size £2,000,000
Maximum loan size £45,000,000
Max term 5 years
Drawdown Single and multiple tranches considered
Repayment Interest only and repayment offered
Max LTV 70%

Lending criteria

Property types

  • Existing units including ‘HMO’ houses and studios and shared apartments in low- or high-rise blocks

Borrower types

  • Individuals, partnerships, and UK corporate borrowing entities
  • UK-based ultimate owners
  • Experienced with a demonstrable track record


  • First legal charge over the property
  • Debenture over the borrower
  • Personal or corporate guarantees
  • Other security as required


  • Freehold or long leasehold

Other things to consider

  • We will consider the make-up of the local student population as part of your application
  • The properties must be operated by a student accommodation provider with a track record suitable to the asset type 

Applying for Student Accommodation Investment

Student accommodationOur student accommodation investment loans are designed to help property investors purchase or refinance assets.

We have a straightforward process once you contact our property investment finance experts.  

An initial discussion will allow us to identify your needs so you can start financing your student property investment project without delay. We will work with you every step of the way – from an initial conversation to the final commitment and drawdown of the loan.

Please note the following points when applying for one of our finance options. These influence your application process and chances of qualifying.

  • Your residential property must be located in England, Scotland or Wales
  • Your desired loan amount is between £2m - £45m
  • You have relevant experience in this area of the market

How we can help you?

We’re dedicated to helping you achieve your development goals with lending solutions tailored to meet your specific project needs.

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We’re committed

We are committed to providing funding to help small to medium sized property developers and investors in the UK.

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We’re responsive

Our experienced team can deliver fast, flexible lending decisions.

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We’re reliable

As an established, well-funded and capitalised UK bank we will support investors’ and developers’ needs as they grow.

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We’re personal

Our relationship led approach means your Relationship Director will manage the process through the life of the loan.

Our expert team is here to guide you through your student accommodation investment journey. Tell us about your needs, and we will be happy to help.