25 yrs
Arranging finance
About us
A care home finance arranger on the operator's side
Led by Matt Lenzie, with 25 years and more than £500 million of UK funding arranged.
The authority behind the site
Matt Lenzie, Founder & Principal Broker
Matt Lenzie founded Care Homes Finance after more than 25 years arranging property and trading-business finance across the UK. Over that time he has structured and placed more than £500 million of funding, from single home purchases and refinances to ground-up care developments.
Much of that career was spent on the lender's side of the table, which is where the relationships come from. He knows how the specialist healthcare desks underwrite a care home: how they read the operator covenant and CQC standing, how they treat occupancy and the fee mix, and where they price the difference between bricks-and-mortar and a stabilised going concern. That is the difference between an introduction and a funded deal.
Every enquiry is read, structured and taken to market by Matt himself. There is no junior desk and no hand-off. Operators, buyers and developers deal directly with the person arranging their finance.
£500m+
Funding arranged
100+
Lender relationships
Direct
Every deal, no hand-off
What we do
We arrange finance for care homes across the UK. We read the home and the operator, take the case to the lenders most likely to back it, and place the facility that funds the purchase, build, refinance or trading position you need. We work across purchase and investment finance, development finance, bridging, refinance, going-concern operator finance, owner-occupier mortgages and sale-and-leaseback.
We are an arranger and introducer, not a lender. We are paid to find the operator or buyer the right facility, so our incentive sits with the borrower rather than any one funder.
Why operator and CQC knowledge matters
Care home lending is not underwritten like a standard commercial mortgage. The specialist desks read the operator covenant and track record, the CQC rating, the occupancy and the mix of private, self-funded and local-authority fees, and they value the home as a stabilised going concern rather than on bricks and mortar alone. Knowing which lender backs which operator and setting, at what leverage and on what terms, is the difference between a deal that funds and one that stalls.
The company
Care Homes Finance is a trading name of Lenzie Consulting Ltd, registered in England and Wales under company number 08174104. Registered office: Lynch Farm, Kensworth, Dunstable, LU6 3QZ.
Tell us about your care home
Send us the outline and Matt will come back with a view on fundability and likely terms.