231
Registered care homes (CQC)
Locations
Care home finance in Cheshire
Funding to buy, build, refinance and operate care homes across 15 towns and cities in Cheshire.
9,562
Registered beds
76%
Rated Good or Outstanding
£1,250/wk
North West avg weekly fee
We arrange care home finance across Cheshire, from commercial mortgages and development finance through bridging and refinance to going-concern operator finance and sale-and-leaseback. We work with operators, buyers, investors and developers, matching each home and operator to the lenders that back the setting.
Cheshire sits in the North West care market. Strong fee growth and the highest share of CQC Outstanding homes in the UK, against a lower fee base. Choose a town below for its regional care market data and local catchment context, or talk to us about a home anywhere in the county.
Finance
The finance we arrange in Cheshire
The structures we use across the care home lifecycle, alone or together.
Care home purchase and investment finance
The commercial mortgage that funds the purchase of a trading care home, or an investment home let to an operator. We arrange and place the debt with the lenders that understand the sector.
Care home development finance
The facility that funds a ground-up build, a major extension or a conversion into a registered care home, drawn in stages through construction to a stabilised exit.
Care home bridging finance
Short-term bridging finance when speed matters: an auction purchase, a fast completion, a pre-CQC buy, a light refurbishment or a chain-break, refinanced onto a term mortgage once the home settles.
Care home refinance
Refinancing your care home to reduce the rate, release capital from rising value, restructure the debt or exit a bridge onto a long-term commercial mortgage.
Going-concern and operator finance
Finance for care operators that is sized on the trading business, the EBITDARM profit and the going-concern value, rather than on the property alone.
Owner-occupier care home mortgage
The commercial mortgage for the operator who runs the home and owns the freehold they trade from, sized on the business they run rather than on a tenant's rent.
Sale and leaseback (OpCo/PropCo)
Releasing the capital tied up in your care home property by selling the freehold to an investor and leasing it back on a long lease, splitting the operating company from the property company.
Mezzanine and equity
The top-up layer that sits behind the senior loan to fill the equity gap on a care home development or acquisition, lifting total leverage when the senior facility alone does not reach.
Care market
Registered care homes across Cheshire
CQC registers 231 care homes with around 9,562 beds in Cheshire, of which 116 hold a nursing registration. The towns with the deepest registered bed stock, the competitive set for a buyer or operator weighing an acquisition here.
| Town | Homes | Beds | Nursing |
|---|---|---|---|
| Warrington | 51 | 2,042 | 21 |
| Chester | 33 | 1,467 | 23 |
| Macclesfield | 26 | 1,029 | 12 |
| Crewe | 22 | 926 | 13 |
| Wilmslow | 12 | 742 | 8 |
| Northwich | 13 | 588 | 7 |
| Nantwich | 10 | 458 | 5 |
| Knutsford | 6 | 447 | 5 |
Source: Care Quality Commission care directory, 03 June 2026. Contains public sector information licensed under the Open Government Licence v3.0.
Operators
Care home groups operating in Cheshire
The multi-home operators with the deepest registered bed stock in the county, the covenants a lender or acquirer underwrites here.
| Operator | Homes in Cheshire | Beds | Group homes |
|---|---|---|---|
| HC-One Limited | 8 | 402 | 105 |
| Care UK Care Services Limited | 6 | 400 | 226 |
| Barchester Healthcare Homes Limited | 7 | 343 | 207 |
| Croftwood Care UK Limited | 8 | 313 | 18 |
| Belong Limited | 4 | 287 | 8 |
| Croftwood Care (Cheshire) Limited | 6 | 242 | 9 |
| The David Lewis Centre | 8 | 241 | 9 |
| Barker Care Limited | 5 | 236 | 9 |
Source: Care Quality Commission care directory, 03 June 2026. Contains public sector information licensed under the Open Government Licence v3.0.
By town
Care home finance by town in Cheshire
Each town has its regional care market data and local catchment context.
Care settings
Care settings we fund across Cheshire
Every setting is registered, run and underwritten differently. We know which lenders back each one.
Funding a care home in Cheshire?
Send us the home and the operator and we will come back with a view on fundability and likely terms.