10
Towns & cities covered
Locations
Care home finance in Surrey
Funding to buy, build, refinance and operate care homes across 10 towns and cities in Surrey.
88.7%
Sector occupancy (Knight Frank)
£1,500/wk
South East avg weekly fee
4.5%
Prime yield (Knight Frank)
We arrange care home finance across Surrey, 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.
Surrey 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 Surrey
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 settings
Care settings we fund across Surrey
Every setting is registered, run and underwritten differently. We know which lenders back each one.
Funding a care home in Surrey?
Send us the home and the operator and we will come back with a view on fundability and likely terms.