If you’re considering investing in student accommodation, you already know the opportunity is real. Demand for quality student housing in Australia’s major cities continues to rise, driven by both local and international enrolments. But as with any property investment, timing is everything. Whether you’re acquiring a new block, refurbishing existing units, or bridging a cash flow gap between settlements, access to fast, reliable funding can make all the difference.
At Secured Lending, we’ve advised and assisted borrowers with student accommodation projects across Australia. We understand the unique pressures you face—tight settlement deadlines, urgent capital requirements, and the need for certainty in a competitive market. A secured loan for student accommodation can help you move quickly and confidently, turning opportunity into action. Assess your scenario today.
Why Choose a Secured Loan for Student Accommodation?
A secured loan is a straightforward way to unlock capital using your existing residential or commercial property as collateral. For student accommodation, this means you can access significant funding—often within 24 hours—without the red tape and delays of traditional bank finance.
- Fast access to funds: When you’re up against an urgent settlement or a time-sensitive purchase, speed matters. Secured Lending can arrange same day settlement and funding within 24 hours, so you don’t miss out on prime opportunities.
- Flexible terms: Unlike rigid bank loans, secured business loans can be structured to suit your project timeline, whether you need bridging finance for a few weeks or a second mortgage for a longer-term play.
- Leverage existing assets: By using your current property as security, you can unlock capital without selling down other investments or disrupting your broader portfolio.
- Certainty and control: With a Private Lender in Australia, you deal directly with decision-makers who understand the property market and can move as quickly as you do.
How Secured Lending Supports Your Student Accommodation Investment
We know that every student accommodation project is different. Some clients need urgent settlement funding to secure a new site. Others require a business bridging loan to cover the gap between purchase and refinance. Some are upgrading existing accommodation to meet new demand, while others are consolidating assets for a strategic exit.
Secured Lending specialises in short-term, asset-backed finance solutions. We review your scenario, structure the right loan, and coordinate settlement—often within a single business day. Our experience spans all major Australian markets, and we’ve facilitated over $500m in loans for urgent settlement needs, including student accommodation.
Bridging Loans: Keeping Your Project Moving
Bridging loans are a practical tool for student accommodation investors. If you’re buying a new property before selling another, or waiting on longer-term finance to come through, a bridging loan can provide the capital you need—fast.
- Secure a new student accommodation asset before your existing property settles
- Cover renovation or upgrade costs while waiting for bank finance
- Manage cash flow gaps during transitions or portfolio restructuring
We arrange bridging loans with minimal paperwork, no lengthy approvals, and funding within 24 hours. This means you can act decisively, even in a competitive market.
Why Work with a Private Lender?
As a non-bank commercial lender in Australia, Secured Lending operates nationwide—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We’re a non-bank lender, which means we’re not bound by the same restrictions or slow processes as traditional banks.
- Direct access to decision-makers who understand property and business finance
- Flexible loan structures tailored to your needs
- Fast, same day settlement for urgent opportunities
- The ability to leverage your residential or commercial property as security (we don’t accept other obscure assets as collateral)
Our team has deep experience in student accommodation lending, and we’re committed to providing clear, practical solutions that help you move forward.
Secured Business Loans and Second Mortgages: Unlocking More Options
Secured business loans and second mortgages are both effective ways to raise capital for student accommodation. If you already have a mortgage on your property, a second mortgage can provide additional funding without disturbing your primary loan. This is especially useful for upgrades, expansions, or bridging finance.
Secured Lending reviews your scenario, confirms your available equity, and arranges the right loan structure—so you can focus on your project, not the paperwork.
How We Can Help
Secured Lending has provided strategic lending advice for student accommodation in the past, and we’re ready to help you assess your scenario. Whether you need urgent settlement, bridging loans, or a second mortgage, our team specialises in fast, flexible solutions that keep your project moving.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
1. What types of property can I use as security for a student accommodation loan?
You can use residential or commercial property as collateral. We do not accept other asset types as security.
2. How quickly can I access funding for student accommodation?
We offer same day settlement and funding within 24 hours for most approved scenarios, subject to standard due diligence.
3. Can I get a bridging loan for student accommodation if I already have a mortgage?
Yes, we can arrange a second mortgage or bridging loan using your available equity, even if you have an existing mortgage.
4. Do you operate outside major cities?
Yes, as a private lender, we operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
5. What makes Secured Lending different from a bank?
We’re a non-bank private lender, which means faster approvals, flexible terms, and direct access to decision-makers who understand your needs.
