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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.

In the UK, the Office for National Statistics has reported that through the latter half of the 20th Century, the UK population has entering an aging population and this trend is only projected to increase, with one in four people in the UK will be 65 and older by 2050. This increase in demand has made the industry attractive to entrepreneurs and investors who wish to enter the market, in addition to existing operators wishing to expand.

However, the Care Quality Commission that regulates the industry in England (CSSIW in Wales and CIS in Scotland), has delivered increased scrutiny on operators in recent times. This has made it challenging for operators to maintain ‘Good’ or ‘Outstanding’ ratings on their care/nursing homes.

Operating within the care sector brings unique challenges that operators must navigate in order to be successful. Christie Finance has over 45 years working with operators in this sector. We can utilise this extensive experience to help you when presenting your funding proposal to lenders.

Lender Appetite 

Continuous changes issued by the key regulatory bodies in England, Wales and Scotland has created an ever-evolving appetite to support the care sector from lenders. This changing funder appetite means engaging a specialist finance broker is key to obtaining the most suitable funding terms for you and your business.

As an independent broker, we are not tied to any specific lender. We have established and trust-based relationships with the leading lending institutions as well as niche lenders and specialist debt funds that operate across the UK. We know which ones are financing the care sector, and whom to approach to get the best deal for you based on your circumstance.

Whichever option you have in mind, Christie Finance will help you get the funding you need to purchase or lease the care home you want.

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% - 100%
LTV, subject to status
year mortgage term
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Key Factors to Consider for Your Loan Application

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 personally benefit from?

  • A deposit of 30% or more

  • Good credit history

  • Two years' trading accounts and income projections

  • Strong proposal from Christie Finance

  • Additional security

  • Business plan

  • Proof of experience

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?


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 40 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