15
Registered beds
Kent care home
Rock House
A 15-bed residential care home in Chatham, operated by PureCare Care Services Limited. The numbers, the CQC rating and the finance to buy, refinance or develop a home like it.
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging care home finance · Reviewed June 2026
Residential
Registration type
Inadequate
CQC rating (09/04/2025)
£915k
Indicative value
Rock House is a 15-bed residential care home in Chatham, operated by PureCare Care Services Limited. It holds a CQC rating of Inadequate, a CQC rating that most mainstream lenders will not fund against until it is resolved, though specialist turnaround funders exist. For a buyer, operator or lender the numbers that matter are its 15 registered beds, its rating and the strength of the operator behind it. We arrange the finance to buy, refinance or develop a home of this kind.
Rock House sits within a local market of 57 registered care homes and about 1,437 beds in Chatham. That competitive set, and the rating profile across it, is part of how an acquisition here is underwritten.
Financing a home like Rock House
Whether you are acquiring Rock House, refinancing it onto better terms, or funding works, the facility is structured on the operator covenant, the CQC rating, occupancy and the fee mix. A commercial mortgage typically funds 70 to 75 percent of value over 15 to 25 years; going-concern operator finance is sized on EBITDARM; bridging covers a fast purchase or a pre-CQC period. We place the case with the lenders that back residential homes of this profile.
On an indicative basis a 15-bed home values at around £915k using an England average of about £61k per bed (LaingBuisson, a Fair Cost of Care valuation basis, not a transaction price). A trading care home is actually valued on its stabilised profit and going-concern value by a specialist healthcare valuer, so the real figure turns on occupancy, fee mix and the operator. As a rough guide a lender might advance up to about £641k against a home of this size and rating, sized on trading profit rather than bricks.
This home at a glance
| Registered beds | 15 |
| Type | Residential |
| CQC rating | Inadequate |
| Operator | PureCare Care Services Limited |
| Indicative value | £915k |
| Indicative debt (70%) | £641k |
Indicative figures on a per-bed basis, not a valuation or an offer of finance.
Registered specialisms
- Caring for adults under 65 yrs
- Mental health conditions
- Caring for adults over 65 yrs
What determines the value of Rock House
A trading care home like Rock House is valued as a going concern, on its stabilised trading profit (EBITDARM) capitalised at a market multiple, rather than as bricks and mortar. A specialist healthcare valuer prepares the figure, and it can sit well above or below a simple per-bed estimate depending on how the home trades. The per-bed guide above is a starting point, not a valuation.
- Occupancy: how full the home runs, and how quickly empty beds refill
- Fee mix: the balance of private, self-funded and local-authority residents
- CQC rating: Inadequate here, a direct input to both value and lender appetite
- Staffing: care-hours per resident and agency reliance
- The building: room sizes, the en-suite and single-room share, and any capital works needed
- Location and catchment: local demand, competition and the self-funder base around Chatham
Looking at other homes in the area? See care homes in Chatham and the wider Kent care market or PureCare Care Services Limited's full portfolio.
Other care homes in Chatham
- Amherst Court 112 beds, Good
- Charing House 88 beds, Requires improvement
- Frindsbury Hall Care Home 74 beds, Good
- Osbern Manor Care Home 72 beds, Requires improvement
- Victory Care Home 61 beds, Good
More homes operated by PureCare Care Services Limited
- Aspen House Maidstone
FAQ
Financing Rock House: common questions
How is Rock House valued?
On its stabilised trading profit and going-concern value, assessed by a specialist healthcare valuer, not on a per-bed rule of thumb. Occupancy, the fee mix, the CQC rating (currently Inadequate) and staffing cost all feed the figure. Send us the trading accounts and we will give a view on value and what a lender would advance.
What should I check before buying Rock House?
The things that move value and fundability: the CQC rating and inspection history, occupancy and how fast beds refill, the fee mix, agency-staffing reliance, the building condition and en-suite provision, and the trading accounts behind the price. We pressure-test these as part of arranging the finance.
How much would it cost to buy a home like Rock House?
On an indicative £61k-per-bed basis a 15-bed home is in the region of £915k, but a trading care home is valued on its stabilised profit and going-concern value, not a per-bed rule of thumb. The real price turns on occupancy, the fee mix and the operator. We can give a fundability view once we see the trading figures.
Can I get finance to buy Rock House?
Most lenders fund up to 70 to 75 percent of value on a trading residential care home, sized on stabilised trading profit (EBITDARM). Leverage reflects the operator covenant, the CQC rating (currently Inadequate), occupancy and the fee mix. We shortlist the lenders most likely to back a home of this profile.
Who operates Rock House?
Rock House is operated by PureCare Care Services Limited. You can see the operator's wider portfolio, bed stock and rating profile on our operator page. The operator's covenant is central to how any acquisition or refinance of this home is underwritten.
Source: Care Quality Commission care directory, 03 June 2026. Contains public sector information licensed under the Open Government Licence v3.0. Registration and bed data only; this page is care home finance information and is not affiliated with, or endorsed by, Rock House or PureCare Care Services Limited. View the official CQC profile: cqc.org.uk.
Buying, refinancing or developing Rock House?
Send us the home and the operator and we will come back with a view on fundability and likely terms within one working day.