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PBSA & Multi-Unit Blocks
Development funding and investment mortgages for purpose-built student accommodation and multi-unit freehold blocks near campus.
Purpose-built student accommodation sits between residential and commercial lending, and multi-unit freehold blocks sit between buy-to-let and block finance. Both reward investors who can operate at scale, and both defeat brokers who only know the mainstream market.
We arrange funding across the full lifecycle: development finance for ground-up PBSA schemes and block conversions, bridging for acquisitions and planning plays, and investment mortgages for stabilised, income-producing blocks. From a six-bed cluster near campus to full multi-storey developments.
Lenders in this space care about location relative to campus, university numbers, management arrangements and unit mix. We build that story into the application, because a PBSA deal presented like a big HMO gets priced like a risk rather than an asset.
The deals other brokers decline are the ones we complete. Five minutes is enough to know if we can help.
Frequently asked questions
PBSA is accommodation designed and operated specifically for students, typically cluster flats or studios with communal facilities and professional management. It is generally valued and financed as a commercial investment rather than as a house.
Specialist lenders fund MUFBs on an investment basis against the block's aggregate rental value. Terms often improve with scale, and we know where each lender's sweet spot sits by unit count and lot size.
It is demanding, but achievable with the right professional team, a strong location and realistic numbers. Lender appetite depends heavily on the university market you are building in, and we will give you an honest read early.
Distance to campus, the university's student numbers and accommodation shortfall, your management plan, and evidence of demand at your price point. We assemble that evidence pack as part of the application. All lending is subject to credit underwriting.
Question not answered? WhatsApp Chris directly or book a call, it is quicker than email.
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