Care home finance across the UK

Care home finance is operationally led. Lenders underwrite the operator as closely as the building: the covenant and track record, the CQC rating, the occupancy and the mix of private, self-funded and local-authority fees. The right facility is rarely the cheapest headline rate. It is the one that completes the purchase or funds the build, carries the home through to stabilised trading, and refinances cleanly onto term debt.

We work with operators, buyers, investors and developers on homes and schemes from around half a million pounds upward. We arrange the commercial mortgage that funds a purchase, the development finance that funds a ground-up or conversion scheme, the bridging that moves at auction pace, the refinance that lowers a rate or raises capital, the going-concern operator finance underwritten on trading profit, and the sale-and-leaseback that releases capital while you keep operating.

Because we sit across more than one hundred lender relationships, including the specialist healthcare desks, we match a home to the lenders that actually back it. A first-time single-home buyer, an established multi-site operator and a developer building a new home are all underwritten differently. Knowing who is lending, at what leverage and on what terms, is the work.