Care home finance across the lifecycle
The structures we arrange to buy, build, refinance and operate care homes, used alone or together.
We arrange finance across the full care home lifecycle. A commercial mortgage funds a purchase or an investment let to an operator. Development finance funds a ground-up build, extension or conversion. 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 trading profit and the stabilised value of the home. Owner-occupier and sale-and-leaseback structures suit operators buying or releasing capital from their freehold. We model the right structure, run it across our lender panel, and place the facility that fits the home, the operator and the plan.
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.
Learn moreCare 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.
Learn moreCare 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.
Learn moreCare 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.
Learn moreGoing-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.
Learn moreOwner-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.
Learn moreSale 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.
Learn moreMezzanine 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.
Learn moreNot sure which finance fits?
Send us the home and the operator and we will tell you what is fundable and how best to structure it.