💰 Maximising Your Returns: How 75% LTV Mortgages Can Work for You

When it comes to investing in student housing, getting the right financing can make a huge difference to your bottom line. At Student Housing, we know how important it is for landlords to get the best possible returns on their properties. That’s why we always recommend working with trusted financial partners who understand the unique needs of student landlords.

📈 Why 75% Loan-to-Value (LTV) Mortgages Make Sense

A 75% LTV mortgage means you borrow 75% of the property’s value and put down a 25% deposit. Here’s why it’s a popular choice among our landlords:

✅ Lower Risk, Better Rates: Lenders tend to offer better interest rates on 75% LTV mortgages because the lower risk makes your investment more secure.

✅ More Flexibility: Keeping a portion of equity in the property gives you financial breathing room — perfect for refurbishments, emergency repairs, or future investments.

✅ Stronger Cash Flow: Competitive rates mean your monthly repayments are often lower, freeing up cash for other expenses or additional investments.

🤝 Napex Finance: Our Trusted Partners

We’ve been working exclusively with Napex Finance for the past 7 years, and they’ve consistently delivered outstanding service for our landlords. Their team understands the student rental market and offers tailored solutions that make the most of your investment.

Here’s what Tom and Seb from Napex had to say:

“At Napex, we pride ourselves on helping landlords unlock the full potential of their student portfolios. We’ve helped countless landlords at Student Housing secure the right finance for their properties, whether it’s HMO-specific mortgages, buy-to-let solutions, or refinancing strategies. Working with Student Housing means we can offer a truly personalised approach that helps landlords get the best possible return on their investment.”

• Tom and Seb, Napex Finance

🔑 What Napex Offers

• Specialist HMO Mortgages: Flexible options for both experienced and new landlords.

• Buy-to-Let Mortgages: Competitive rates with tailored support.

• Refinancing Solutions: Free up equity to expand your portfolio or invest in property improvements.

👉 Learn more about Napex Finance’s HMO mortgages here.

👉 Meet the Napex Finance team here.

👉 Explore buy-to-let mortgages with Napex here.

💬 Ready to Maximise Your Returns?

If you’re considering investing in student housing, a 75% LTV mortgage could be the key to unlocking better cash flow and long-term success. With Napex Finance by your side, you’ll have the confidence and expertise you need to make smart decisions.

👉 Contact us today to discuss your options — we’re always here to help.