Youth housing

Social housing mortgages are available for buy-to-let properties leased to housing associations or charities supporting youth housing. Where the housing association is reputable, experienced landlords, typically with at least 12 months’ letting history, can access a broad range of mortgage options.

For borrowers without prior experience, specialist social housing lenders remain available, though pricing is usually higher. Some youth housing schemes involve overnight supervision or care, which can push lending away from standard buy-to-let into specialist or commercial mortgage products, making rates higher than housing-only arrangements with non-care providers.