Finding the right place to live is one of the biggest decisions you'll make during your time at university.
The final choice usually comes down to two main options: purpose-built student accommodation (PBSA) or private rented accommodation, such as a shared student house or flat.
Both options can provide a great student experience, but they work quite differently. Costs, tenancy agreements, social opportunities, responsibilities, and even how the Renters' Rights Act applies can vary depending on where you choose to live.
The best option won't necessarily be the cheapest or the newest. It's the one that fits your lifestyle, budget, and plans for the year ahead.
Here's what you need to know.
Purpose-built student accommodation is pretty self-explanatory: accommodation built and managed specifically for students.
Most PBSAs offer private bedrooms with either private or shared bathrooms, alongside communal kitchens and social spaces.
You'll usually be living alongside other students, often from a range of courses, universities, and countries.
One of the biggest attractions of PBSA is convenience because most providers include:
All into your total monthly bill. This makes budgeting easier, which, let’s face it, makes life easier when it’s your first time renting.
A lot of PBSAs host social events, welcome activities, study spaces, gyms, game rooms, and communal lounges.
If you’re moving to a new city or arriving from overseas, this makes settling in much easier and helps you build friendships quickly.
Private rented accommodation typically includes student houses, HMOs (houses in multiple occupation), and shared flats rented through landlords or letting agents.
This option can often be popular with second- and third-year students who choose to live with friends and want more independence and control over where they live.
Unlike PBSA, where flatmates can be requested but are often assigned and out of your control, a private rental means you can choose who you live with.
Many students enjoy sharing a house with friends they've met during their first year at university.
This can create a more personal living environment and often feels closer to a traditional home.
Private student housing is often more affordable than premium PBSA developments, particularly when costs are split across a group.
But, it's important to remember that rent may not include:
You'll usually need to organise and manage these separately.
One of the most important things students should understand is that the Renters' Rights Act doesn’t affect all types of accommodation equally.
Private rented accommodation and PBSA operate under different frameworks.
Privately rented student homes will likely move to periodic tenancies under the Renters' Rights Act.
This means tenants can generally give two months' notice to leave, offering greater flexibility if circumstances change.
But it’s important to point out that that flexibility can also affect housemates. If one person decides to leave a shared property, it may have implications for the rest of the household, depending on how the tenancy is structured.
Many PBSA providers are exempt from the tenancy reforms where they are members of approved codes of practice.
As a result, students in PBSA will often continue to sign fixed-term contracts that align with the academic year.
For students who prefer certainty and structure, this can be a significant advantage.
PBSA is a great option if you like simplicity and convenience.
Benefits often include:
Many international students also appreciate the structured application process and dedicated support available throughout their tenancy.
PBSA can sometimes be more expensive than private rentals.
You'll also have less control over who you live with, and some students feel that purpose-built accommodation can feel less independent than renting a house with friends.
Like any accommodation choice, it's about balancing convenience against flexibility.
Private rentals do tend to offer more freedom and can feel like a natural next step after first year.
Benefits include:
For many students, this is where they develop important life skills such as managing bills, budgeting, and maintaining a household.
Private rentals also come with additional responsibilities.
You'll often need to:
There can also be challenges if housemates move out, fail to pay rent, or disagreements arise.
Understanding concepts such as joint and several liability becomes particularly important in shared housing.
It comes down to what is right for the individuals. And the reality is that both options can provide an excellent student experience!
The best choice depends on what matters most to you. Some students prioritise convenience and community, while others value independence and flexibility.
Taking time to compare costs, tenancy terms, locations, and facilities will help you make the right decision.
Whether you choose PBSA or private rented accommodation, understanding the tenancy requirements early can make the process much smoother.
Many accommodation providers and landlords require a guarantor as part of the application process. If you don't have access to a suitable UK guarantor, Housing Hand can stand as your guarantor, helping you secure accommodation with confidence.
By preparing early, understanding your options, and choosing accommodation that matches your lifestyle, you'll give yourself the best possible start to university life.