Locations

Care home finance in Oxfordshire

Funding to buy, build, refinance and operate care homes across 9 towns and cities in Oxfordshire.

136
Registered care homes (CQC)
6,344
Registered beds
88%
Rated Good or Outstanding
£1,500/wk
South East avg weekly fee

We arrange care home finance across Oxfordshire, 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.

Oxfordshire sits in the South East care market. The highest fee region in the UK, with a deep self-funder base and the keenest yields on prime stock. 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 Oxfordshire

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 Oxfordshire

CQC registers 136 care homes with around 6,344 beds in Oxfordshire, of which 82 hold a nursing registration. The towns with the deepest registered bed stock, the competitive set for a buyer or operator weighing an acquisition here.

TownHomesBedsNursing
Abingdon361,60120
Witney291,46720
Banbury231,06815
Oxford208259
Henley on Thames94007
Bicester63514
Didcot62393
Thame32071

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 Oxfordshire

The multi-home operators with the deepest registered bed stock in the county, the covenants a lender or acquirer underwrites here.

OperatorHomes in OxfordshireBedsGroup homes
The Orders Of St. John Care Trust1688254
Care UK Care Services Limited11635226
Barchester Healthcare Homes Limited5308207
Care UK Community Partnerships Ltd4265105
Aria Healthcare Group LTD420235
Sanctuary Care Limited318677
Methodist Homes213463
Ideal Carehomes (Number One) Limited213219

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 Oxfordshire

Each town has its regional care market data and local catchment context.

Care settings

Care settings we fund across Oxfordshire

Every setting is registered, run and underwritten differently. We know which lenders back each one.

Funding a care home in Oxfordshire?

Send us the home and the operator and we will come back with a view on fundability and likely terms.