Whether developing new student housing, expanding your portfolio or refinancing assets, Millbrook provides tailored funding solutions to meet your goals. With deep PBSA sector expertise and direct access to specialist lenders, we help investors, developers and operators secure capital for high-quality, purpose-built accommodation that drives student success and sustainable returns.
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The PBSA sector is rapidly evolving, driven by growing student demand and rising quality expectations. Our funding solutions enable you to develop, acquire or refinance student accommodation assets with confidence and strong operational performance.
Finance for developments, acquisitions, and refinances
Structured funding to support long-term holding strategies
Options for stabilisation, equity release, and portfolio expansion
Bespoke finance for UK and Western European PBSA markets
Fast, expert execution from proposal to completion
Secure fast, expert-led funding with customised structuring
Purpose-Built Student Accommodation (PBSA) Finance provides tailored funding for investors, developers and operators across all stages – from development to stabilisation. Whether building, refinancing or expanding, Millbrook delivers structured solutions that strengthen financial performance, support growth and enhance resilience in a competitive market.
Secure your funding
The PBSA sector is rapidly evolving, driven by growing student demand and rising quality expectations. Our funding solutions enable you to develop, acquire or refinance student accommodation assets with confidence and strong operational performance.
Finance for developments, acquisitions, and refinances
Structured funding to support long-term holding strategies
Options for stabilisation, equity release, and portfolio expansion
Bespoke finance for UK and Western European PBSA markets
Fast, expert execution from proposal to completion
Secure fast, expert-led funding with customised structuring
With a proven track record and deep understanding of the student accommodation sector, Millbrook structures bespoke funding packages across the capital stack - from senior debt to mezzanine finance, from equity release to forward funding for large-scale developments.
Our PBSA finance team understands the operational and commercial dynamics of student accommodation, structuring funding that aligns with each project’s goals and lifecycle.
Whether you’re expanding your group or upgrading facilities, we deliver funding that moves with your ambitions and supports sustainable development.
We support clients across every stage – from first-time developers to established global operators – delivering funding that evolves with your ambitions.
We arrange senior debt, mezzanine finance, equity and JV structures to optimise capital efficiency, enhance liquidity, and support portfolio growth.
Through our network of high street banks, alternative lenders, specialist PBSA funds and private equity partners, we secure competitive, flexible finance tailored to your project.
Our experience includes arranging PBSA loans from £10 million to £500 million+, supporting landmark transactions across the UK and Western Europe.
Our PBSA specialists structure complex, high-value funding for developers, operators and investors across the UK and major European markets.
Funding for new developments and existing PBSA portfolios
Expertise across all stages – construction, stabilisation and long-term investments
Tailored funding aligned to investor and operator strategies
Access to a broad network of PBSA lenders and equity providers
Proven track record in securing large, multi-asset transactions
We deliver bespoke PBSA finance solutions that support development, acquisition and refinancing.
Development finance for new build and conversion projects
Acquisition finance for single or portfolio purchases
Refinance and equity release to enhance liquidity and performance
Long-term term funding for stabilised and trading PBSA assets
Forward funding structures for large-scale projects with defined exits
Our team has arranged billions in PBSA and residential accommodation finance, supporting clients with landmark transactions.
Funding for new developments and existing PBSA portfolios
£55 million refinance for a major UK PBSA operator
£85 million development funding for two Birmingham assets
£225 million debt and equity package for a Far Eastern investor
£18 million refinance and refurbishment loan for Northern UK assets
We combine deep PBSA sector insight with an agile, partnership-led approach to deliver results.
True student accommodation finance specialists
Funding structures tailored to each project’s lifecycle
Long-term partnerships built on transparency and trust
Seamless execution through market insight and lender relationships
End-to-end support from proposal to completion
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FAQS
Our business finance specialists have over 60 years of collective experience working in commercial finance. We support companies across a wide variety of industries and have access to over 100 UK lenders to approve finance in almost any sector.
Ready to apply for funding? Our corporate property finance experts look forward to matching you with a solution that meets your needs and ambitions.
Start your application
Millbrook does more than just property finance. We have an array of flexible business financing options to meet any requirement. Head to our solutions overview page or browse the options below.
Get fast unsecured and secured business loans from £20k–£25m.
For any business purpose
Up to 10 years repayment terms
Funding approved within 8 hours
GGS offers flexible terms and competitive rates tailored to your specific needs.
70% government backed
Up to £2m per business
Available in addition to CBILs & BBLs
Support your business growth without impacting your cash flow.
Purchase any asset
Simple application process
Repayment terms up to 7 years
Fund any vehicle purchases, from vans and lorries to supercars.
Flexible deposits available
Tailored balloon payments
Hire purchase, lease or refinance
Release cash equity from equipment or obtain better terms on existing finance agreements.
Release cash from your equipment
Obtain improved finance terms
Great for debt consolidation
Quickly raise working capital against your company's card sales.
No interest rate or fixed repayments
Borrow up to double your monthly card sales
90% approval rate
Get quick access to property-related finance.
Repayment up to 30 years
Interest-only products available
80% LTV or 100% with security
Unlock funds tied up in outstanding invoices.
Up to 90% of invoices’ value
Your facility grows with you
Fast and simple to release cash
Business finance can be complicated. To help you make sense of the options available, we've created this handy interactive Business Finance Checklist.
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Business Finance Success Stories
When Ryan, the founder of a sustainable building business, faced barriers to accessing the finance he needed, a referral led him to Millbrook — and the beginning of a...
Business Finance Success Stories
When a metal recycling plant found itself weighed down by expensive debt and a need for additional capital, they turned to Millbrook for a solution. In this client...
Business Finance Success Stories
When a London-based entertainment start-up sought financing to acquire its first commercial property, they faced significant challenges due to their new venture status....
Business Finance Success Stories
In the competitive construction industry, securing adequate funding is often a significant hurdle. A London-based scaffolding company faced this challenge head-on when...
Business Finance Success Stories
In the face of numerous challenges, including the global impact of Covid-19 and a significant fire at their storage facility, this noise, vibration, and acoustic...
Business Finance Success Stories
A UK based taxi company was looking to expand their business to meet the demands of the market. The director was in search of financing solutions that would allow the...
