Adventum Crossover Book

Investment guide for students

Right now, international students have a rare triple tax break on UK property purchases. This guide explains exactly how to take advantage of this window of opportunity, whether you're a student looking to live in your own home during your studies or an investor looking to generate rental income.

For international students studying in the UK, the stars have genuinely aligned. The combination of first-time buyer stamp duty concessions, exemption from the overseas buyer surcharge, and – for Indian students – waived FEMA restrictions creates a rare opportunity that won't last forever. We created this guide to help students and their families understand these advantages and make the most of them before the window closes.

For international students studying in the UK, the stars have genuinely aligned. The combination of first-time buyer stamp duty concessions, exemption from the overseas buyer surcharge, and – for Indian students – waived FEMA restrictions creates a rare opportunity that won't last forever. We created this guide to help students and their families understand these advantages and make the most of them before the window closes.

Right now, international students have a rare, highly profitable opportunity to invest in the UK property market. With unique tax breaks and a simpler buying process, owning property is more accessible than ever.

The triple financial advantage for students

International students currently have three major financial advantages when acquiring property in the UK. Together, these incentives can save thousands and make investing significantly easier.

The triple financial advantage for students

International students currently have three major financial advantages when acquiring property in the UK. Together, these incentives can save thousands and make investing significantly easier.

Zero stamp duty on your first property

Zero stamp duty on your first property

When you acquire your first home to live in, you pay absolutely no stamp duty (property tax) on properties valued up to £425,000.

When you acquire your first home to live in, you pay absolutely no stamp duty (property tax) on properties valued up to £425,000.

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No overseas buyer tax

No overseas buyer tax

Normally, overseas buyers pay an extra 2% tax on UK property. But once you’ve lived in the UK for six months on a student visa, you’re completely exempt from this charge.

Normally, overseas buyers pay an extra 2% tax on UK property. But once you’ve lived in the UK for six months on a student visa, you’re completely exempt from this charge.

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No FEMA restrictions

No FEMA restrictions

For Indian tax residents on a student visa, standard limits on sending money overseas (FEMA restrictions) are waived, making it much easier to fund your property acquisition.

For Indian tax residents on a student visa, standard limits on sending money overseas (FEMA restrictions) are waived, making it much easier to fund your property acquisition.

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How property sets you up for the future

The UK’s thriving property market, combined with these exclusive student tax breaks, makes this the perfect time to invest. Here’s what you stand to gain.

How property sets you up for the future

The UK’s thriving property market, combined with these exclusive student tax breaks, makes this the perfect time to invest. Here’s what you stand to gain.

How property sets you up for the future

The UK’s thriving property market, combined with these exclusive student tax breaks, makes this the perfect time to invest. Here’s what you stand to gain.

Live rent-free and stress-free

Live rent-free and stress-free

Acquiring a property to live in removes the annual stress of finding student accommodation and dealing with landlords. You get a secure, stable home for your entire degree.

Generate a steady income

Generate a steady income

You don't have to live in the property to benefit. You can rent it out to generate a steady income – with strong rental demand from young professionals, graduates and students in cities like Manchester. We can even help you secure a mortgage for up to 75% of the property’s value, meaning you only need a 25% deposit.

A valuable asset for your future

A valuable asset for your future

UK property is a strong, trusted market. Instead of spending money on rent that you’ll never see again, your money goes into an asset that grows in value – setting you up for financial success long after graduation.

Why Manchester is a top choice for student investors

Manchester is one of the UK’s most exciting and profitable cities for student property investment. Home to world-class universities, a massive student population and a booming economy, the city offers high rental demand and excellent returns.


Whether you’re looking for a vibrant place to live and study or a hands-off investment property that will attract tenants and grow in value, Manchester is the perfect starting point.

Start your property investment journey with Adventum

Start your property investment journey with Adventum