88.7%
Sector occupancy (Knight Frank)
Nottinghamshire
Care Home Finance in Nottingham
Commercial mortgages, development, bridging, refinance and going-concern operator finance for care homes in Nottingham. This is finance for the home as a business, not help with care fees.
Written and reviewed by Matt Lenzie Founder & Principal Broker · 25 years arranging care home finance · Reviewed June 2026
£1,150/wk
East Midlands avg weekly fee
£61,000/bed
Avg value per bed (LaingBuisson)
4.5%
Prime yield (Knight Frank)
Care home finance in Nottingham is the funding used to buy, build, refinance or operate a care home as a trading business. We arrange it across Nottinghamshire for operators, buyers, investors and developers, structuring the debt a home needs and placing it with the lenders that actually back the sector. This is commercial lending against the home and its operator, not help with paying care fees.
Care home lending is underwritten on the operator covenant, the CQC rating, occupancy and the fee mix, not on bricks alone. In the East Midlands, the average weekly fee runs at about £1,150/wk (Knight Frank, 2025), and occupancy across mature homes nationally sat at 88.7% (Knight Frank, FY2024/25). Those regional and national figures frame the trading case a Nottingham home needs to support its borrowing.
Funding a Nottingham care home across its lifecycle
We arrange the full range of care home finance for Nottingham operators and buyers. A commercial mortgage funds the purchase of a trading home, typically to 70 to 75 percent of value over a 15 to 25 year term, with the loan sized on the home's stabilised trading profit. Development finance funds a ground-up build, extension or conversion, usually to 60 to 70 percent of cost. Bridging moves at auction or pre-CQC pace. Refinance lowers a rate, raises capital or exits a bridge. Going-concern operator finance is sized on EBITDARM and the going-concern value rather than the property alone, and sale-and-leaseback releases capital from a freehold while the operator keeps running the home. We match each case to the lenders that back this kind of home across Nottinghamshire.
The care settings we fund in Nottingham
Each care setting is registered, run and underwritten differently, and we arrange finance for all of them in Nottingham and across Nottinghamshire. That covers elderly residential and nursing homes, dementia and memory care, specialist and high-acuity care, supported living, learning disability and mental health settings, children's homes, and retirement and extra-care schemes. A nursing home turns on clinical staffing and acuity. A children's home turns on Ofsted standing and local-authority commissioning. Knowing which lender backs which setting here, and at what leverage, is the work we do before a case ever reaches a credit committee. Local planning records show recent care-related activity in the Nottingham area, a read on demand for modern bed stock locally.
Finance we arrange for Nottingham homes
Is a Nottingham care home a good investment?
A care home is bought as a trading business, so the return comes from operating profit, not rental yield alone. Mature homes nationally ran at 88.7% occupancy (Knight Frank, FY2024/25), and average weekly fees in the East Midlands sat at about £1,150/wk (Knight Frank, 2025), the two levers that drive the bottom line. Investors size the deal on EBITDARM, the earnings measure lenders use, and on the going-concern value a specialist healthcare valuer puts on the home. Prime care home yields have sat around 4.5% (Knight Frank, Q1 2025), with operational and regional homes priced higher to reflect trading risk. In Nottingham the figure that matters is the individual home's profit, its CQC rating and how full it runs.
Before you buy a care home in Nottingham, the checks that matter are the CQC rating and inspection history, the staffing model and agency reliance, the fee mix between private, self-funded and local-authority residents, the property condition and any en-suite or single-room shortfall, and the trading accounts behind the asking price. We pressure-test these as part of arranging the finance, because the same things a buyer should worry about are the things a lender underwrites.
What the East Midlands care market means for funding in Nottingham
Mid-range fees with an older average resident profile and a solid private-pay share. A steady market where demographics support long-run bed demand. Average weekly fees in the East Midlands run at about £1,150/wk (Knight Frank, 2025). Lenders read these regional fee and occupancy trends, alongside the home's own trading record, when they size a facility for a Nottingham home.
- Older average resident age (around 86) in the sample
- Balanced private and local-authority mix
- Nottingham, Leicester and Derby demand
CQC directory
Care homes in Nottingham: the registered market
CQC registers 116 care homes in Nottingham with about 3,680 beds between them, of which 43 hold a nursing registration. Around 79% of rated homes here are rated Good or Outstanding, which makes Nottingham a deep, well-supplied local care market. For a buyer or operator this is the competitive set, the bed stock and the quality benchmark a new acquisition is underwritten against; for a lender the local rating profile is a read on covenant and on how hard occupancy is won.
116
Registered care homes
3,680
Registered beds
43
With nursing registration
79%
Rated Good or Outstanding
Largest registered homes in Nottingham
| Care home | Beds | Type | CQC rating | Operator |
|---|---|---|---|---|
| Bramwell | 93 | Residential | Good | Runwood Homes Limited |
| Landermeads Care Home | 89 | Nursing | Outstanding | Landermead Investments Limited |
| Wilford View Care Home | 83 | Nursing | Outstanding | Wilford View Ltd |
| Silverwood (Nottingham) | 80 | Nursing | Good | HC-One Limited |
| Stapleford View Care Home | 79 | Nursing | Not rated | Stapleford View Ltd |
| Acer Court Care Home | 78 | Residential | Good | Avery Homes Nuthall Limited |
| Balmore Country House | 76 | Nursing | Good | Ruddington Homes Limited |
| Clifton View Care Home | 76 | Residential | Good | Clifton View Ltd |
| Chetwynd House | 75 | Residential | Requires improvement | Chetwynd House Care Home Limited |
| Connect House | 74 | Nursing | Requires improvement | Medina Connect Ltd |
| Park House | 68 | Nursing | Good | Springcare (Bulwell) Limited |
| Beeston Rise Care Home | 66 | Residential | Not rated | Origin Care Homes (Beeston) Limited |
| Ruddington Manor Care Centre | 66 | Nursing | Good | New Care Nottingham (Opco) Limited |
| Beechdale Manor Care Home | 65 | Nursing | Good | Kara Healthcare (Beechdale Care) Ltd |
| Acorn House | 64 | Residential | Good | Acacia Care (Nottingham) Ltd |
| Coppice Lodge | 64 | Residential | Good | Ideal Carehomes (Number One) Limited |
| Bramcote Hills Care Home | 63 | Nursing | Requires improvement | Savace Limited |
| Edwin House | 63 | Nursing | Good | Framework Housing Association |
| Hall Park Care Home | 62 | Residential | Outstanding | Hall Park Healthcare Limited |
| Hall Park Care Home | 62 | Residential | Not rated | Barchester Healthcare Homes Limited |
| Alder House Care Home | 60 | Residential | Good | Avery Homes TH Limited |
| Eden Lodge Residential Care Home | 60 | Residential | Good | Sai Om Limited |
| Hawthorn Lodge Care Home | 60 | Residential | Requires improvement | Regal Care Trading Ltd |
| Beeches Care Home (Nottingham) | 54 | Nursing | Requires improvement | HC-One Limited |
| Orchard House | 50 | Residential | Good | Ruddington Homes Limited |
Showing the 25 largest of 116 registered homes by bed count.
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, not a recommendation of any individual home.
The local property market in Nottingham
Local house prices are a useful proxy for the strength of the self-funder catchment a care home draws on. Nottingham recorded around 2,728 residential sales over the past year at a median of £190,000, which makes the local market active and liquid. A deeper, higher-value residential market tends to support a larger private and self-funded fee base, one input among the operator covenant, CQC rating and occupancy that drive a lending decision.
This residential data is local catchment context. It is not a care home valuation, which turns on the home's trading profit and going-concern value, assessed by a specialist healthcare valuer.
Residential sold price by type (Nottingham)
| Detached | £307,250 |
| Semi-detached | £210,000 |
| Terraced | £170,000 |
| Flat / apartment | £130,000 |
Source: HM Land Registry residential price-paid data, last 12 months. Local catchment context, not a care home valuation.
Recent price trend
| Quarter | Median | Sales |
|---|---|---|
| 2024-Q3 | £193k | 1006 |
| 2024-Q4 | £190k | 1076 |
| 2025-Q1 | £195k | 1170 |
| 2025-Q2 | £189k | 820 |
| 2025-Q3 | £190k | 961 |
| 2025-Q4 | £190k | 920 |
| 2026-Q1 | £195k | 659 |
| 2026-Q2 | £190k | 247 |
Pipeline
Care-related planning near Nottingham
Recent care-related planning activity recorded by Nottingham City Council, a read on local demand for modern bed stock.
-
140 Beckley Road Nottingham Nottingham City NG8 6GW
Certificate of lawfulnees for proposed use as a single C3 dwellinghouse providing supported living accommodation for up to 3 residents living together in a shared domestic environment.
View on the planning portal → -
Land West Of 2 Sandringham Crescent And South Of 10 Cockington Road Nottingham Nottingham City NG8 4BZ
Proposed Change of Use to C2 Dwelling (Residential Care Home) for 3 X children between the ages of 8 to 18 years old @ 8A Cockington Road, Nottingham, NG8 4BZ
View on the planning portal → -
Land West Of 2 Sandringham Crescent And South Of 10 Cockington Road Nottingham Nottingham City NG8 4BZ
Proposed Change of Use to C2 Dwelling (Residential Care Home) for 3 X children between the ages of 8 to 18 years old @ 8 Cockington Road, Nottingham, NG8 4BZ
View on the planning portal →
FAQ
Care home finance in Nottingham: common questions
How much can I borrow to buy a care home in Nottingham?
Most lenders fund up to 70 to 75 percent of value on a trading care home, with the loan sized on the home's stabilised trading profit (EBITDARM) rather than the bricks alone. Leverage reflects the operator covenant, the CQC rating, occupancy and the fee mix. We hold more than one hundred lender relationships and shortlist the desks most likely to back a Nottingham home.
Which lenders provide care home finance in Nottingham?
We work across high-street and challenger banks, specialist healthcare lenders and debt funds, including names such as Shawbrook, OakNorth, Allica Bank and Assetz Capital. The right lender for a Nottingham home depends on the setting, the operator's track record and the leverage you need, and we match the case to the desks that actively back it across Nottinghamshire.
What are care home fees and occupancy like around Nottingham?
Care figures are reported regionally rather than town by town. In the East Midlands, the average weekly fee runs at about £1,150/wk (Knight Frank, 2025), while occupancy across mature homes nationally held at 88.7% (Knight Frank, FY2024/25). We read these regional and national figures alongside the individual home's trading record.
How much money do you need to buy a care home in Nottingham?
Most buyers need a deposit of 25 to 30 percent of the price plus costs, since lenders fund 70 to 75 percent of value on a trading home. On top of the deposit you need working capital to run the home from day one and a contingency for any CQC or property works. The exact figure depends on the home's trading profit and your experience as an operator, which we assess before approaching lenders.
Is owning a care home in Nottingham profitable?
It can be, but profit turns on occupancy, the fee mix and staffing cost, not on the building. Well-run homes with strong CQC ratings and a healthy private-fee share trade profitably; homes with low occupancy, heavy agency use or fee pressure do not. We read the trading accounts and the operator before forming a view, and a lender does the same.
What are the red flags when buying a Nottingham care home?
The main warning signs are a poor or declining CQC rating, low or falling occupancy, heavy reliance on agency staff, a fee base skewed to lower local-authority rates, deferred building maintenance and a shortage of single en-suite rooms. None is necessarily fatal, but each affects value and fundability, which is why we and the lender scrutinise them.
Do you only arrange finance in Nottingham?
No. We arrange care home finance across the whole of Nottinghamshire and the wider UK, with the same approach: read the home and the operator, match the case to the lenders that back the setting, and negotiate terms on the borrower's behalf.
Nearby
Care home finance near Nottingham
The nearest towns we cover, each with its own registered care home directory and market context.
Funding a care home in Nottingham?
Send us the home and the operator and we will come back with a view on fundability and likely terms within one working day.