Care Home Finance

Tailored funding for care home properties.

1

Complete the form

Answer a few questions for us to understand your business' needs

2

We compare 100+ lenders

We will advise which options could be suitable for your business

3

You choose the offer that best suits you

We'll present any offers available for your business. You choose the one that best suits your business.

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Please note the minimum requirement is £5,000.

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What is Care Home Finance?

Care home finance provides specialist funding for the acquisition, development, or improvement of residential care facilities, nursing homes, and supported living accommodation. With the UK’s ageing population, this sector continues to grow, creating strong demand for tailored finance solutions.

Types of Care Home Finance

This includes commercial mortgages for long-term ownership, development loans for new facilities, refurbishment loans for upgrades, and bridging finance for quick acquisitions.

Define the Project

Outline your project scope, timeline, and funding requirements.

Choose the Right Finance Type

Commercial mortgages, bridging loans, or development finance.

Get a Property Valuation

To assess risk and determine how much you can borrow.

Apply and Secure Terms

Review offered terms with loan amount, interest rate, LTV (loan-to-value), and repayment structure.

Draw Down Funds and Manage Repayments

Funds are released, either as a lump sum or in stages (especially for development projects).

Compare Property Finance Deals Today

At Compare Property Finance, we make it easy to compare property based lending options from leading UK lenders.

Whether you're looking for commercial mortgages, property development finance, bridging loans, buy-to-let mortgages, or any other type of property funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.

Compare now

Quick online quotes

Transparent fees and terms

Wide range of finance providers

No-obligation comparisons

Benefits of Care Home Finance

It enables operators to meet growing demand, invest in modern facilities, and maintain compliance with health and safety regulations. Finance also supports expansion, acquisitions, and continuity of care services.

Ideal for established operators looking to expand capacity, first-time buyers entering the sector, or developers building purpose-built care facilities.

Things You Need to Know

Lenders will assess CQC (Care Quality Commission) ratings, management experience, and the financial performance of the home. Specialist insurance and compliance are essential.

FAQs

Can I finance a new-build care home?

Yes, development finance is available.

Do I need prior sector experience?

Strongly preferred, though not always essential.

Can I refinance an existing care home?

Yes, through commercial remortgages.

Are lenders strict about CQC ratings?

Yes, good ratings improve funding access.

What’s the loan term?

Typically 10–25 years for mortgages, shorter for bridging or development.

Disclaimer: Compare Property Finance helps UK firms find the right finance credit broker for access to business finance. Compare finds credit brokers, not lenders. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  

This website is operated by Spark Finance. Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).