Commercial Mortgages for Care Homes

In recent years, interest in the care-home sector has surged among both first-time buyers and experienced operators, not least because of the attractive returns it can offer to owner-operators.

The number of people requiring care – be it residential, elderly care, or specialised healthcare provision – will undoubtedly continue to rise, and demand is already exceeding supply in some areas.

There are various factors to consider when looking to acquire in the sector – the requirements of the Care Quality Commission, for example – and we at Christie Finance will provide you with the most appropriate advice at every stage of the financing process.

As an independent broker, Christie Finance is not tied to any particular lender. We have established and trust-based relationships with the leading lending institutions. We know which ones are financing the care sector, and whom to approach to get the best deal for you.

Whether you are a first-time operator intending to take over an existing business, or you’d like to extend a premises you already own, or grow your portfolio, Christie Finance will help you get the funding you need.

Care home loan features

The terms of a commercial loan against a care home will vary considerably from lender to lender but, as a general rule, the following may apply:

70% - 80%
loan to business value ratio
15-25
year mortgage term
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The Christie Finance Team


We understand the particular challenges you will encounter in the care sector. Government funding and regulation, can complicate your funding proposal. Rest assured that we will be with you all the way – understanding your requirements and explaining your options. Our experienced and knowledgeable Consultants will guide you through the finance options and mortgage application process, from your initial enquiry to completion.

Key considerations
When you are thinking about buying a business there are various things that both you and a potential lender will need to consider:

  • Experience – do you have the right level of experience to run the business? How will you run it?

  • Performance – how well is the business doing? Is it in a good location? Is there enough profit in the business to be able to repay a loan easily and allow you to take enough out of the business for yourself?

  • Contribution – what are you able to invest in the business (savings, other properties, etc.)?

  • Personal history – do you have a clear credit history?

Christie & Co have over 102 independent care businesses currently for sale, with new businesses added regulary.

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Factors Affecting Your Loan Application

There are a number of factors which can help to make your care home application more attractive to a lender:

  • A deposit of 30% or more
  • Additional security
  • Business plan
  • Proof of experience
  • Good credit history
  • Two years' trading accounts and income projections
  • Strong proposal from Christie Finance

Our commercial mortgage services

We’ve been helping first-time buyers and existing business owners secure funding for over 35 years.

What makes Christie Finance different?

Local

National coverage across the UK

Project management

From intial enquiry to completion - saving your precious time and money

Quick responses

Rapid business and commercial mortgage decisions

Relationship - C&Co

Our brokers can access the best new businesses for sale

Specialist knowledge

Over 35 years experience in our specialist sectors

Tailored loan options

Fixed and discounted rate available

The 'Christie' name

Adds credibility to the proposal - buying you a better deal

We are independent

We have no tie to any one lender

Find out more about commercial mortgages