Prepare the file
Student lets
A student house can be an HMO, a licence to occupy, or an AST with a guarantor. The summer void is a cash-flow fact, not a footnote.
What this page will not do
- A university town's average house price is not a student rent.
- Purpose-built student accommodation is often a different asset from a house let to students.
- It will not name a lender, a product, or an approval chance.
Questions
- Is a student let a holiday let?
- No. Use the holiday-let guide if the stay is short and the use is holiday.
- Can I use the ICR calculator?
- Yes, with a rent you believe is realistic for the weeks it is actually paid. The calculator does not check that.
MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
These figures are illustrative.
An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.
Find a broker experienced with student lets