Commercial Mortgages for Care Homes

Sorting the right finance
for care providers

Commercial mortgages for care homes

Commercial mortgages for care homes allow you to purchase, or refinance businesses. Experienced operators can raise finance to refurbish properties or extend existing premises. We can source mortgages for residential and specialist care services.

Due to the specialist nature, lenders will assess the property’s suitability for care provisions, your experience in sector and the business’s financial performance.

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How do commercial mortgages for care homes work?

Commercial mortgages typically involve loan terms between 15 and 25 years, and you’ll be expected to put down a deposit of 25% to 40% of the business value.

Types of care homes we can finance

We can help you secure finance for a wide range of care home facilities, including:

Residential elderly care homes
Nursing homes
Dementia care units
Learning disability care homes
Physical rehabilitation centres

Compliance and regulations for care home properties

Care homes are a specialist commercial property type, and due to the nature of this type of business, there are several regulatory requirements that lenders will look for in your application.

Whether you’re a business owner purchasing the premises, lenders will want to see:

Experience in the sector or a registered manager that will be part of the company making the purchase
A current, not projected, Care Quality Commission (CQC) rating
An inspection history and compliance with health and safety standards
Staffing information (for example, qualifications and experience)
Clear summary of the current trade assessment or management information /occupancy of the home, fee income and accounts for three years
Providing this information with your mortgage application will demonstrate your understanding of the industry to your lender.

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Why choose MFB for your commercial mortgage?

Our mission is to be the mortgage brokerage that our clients love working with, and our employees love working for.
We put you, our client, at the heart of everything we do, treating your mortgage as if it’s our own.
Our people are our best asset. We train, reward, and inspire our team to help them provide you with the best service possible.
With over 35 years of experience, we’ve never stopped learning. Whatever your property investment, you’ll have an expert with you at every stage.
We’re regulated by the Finacial Conduct Authority (FCA) and a founder-member of the National Association of Commercial Finance Brokers (NACFB), following their Code of Practice.
Integrity is non-negotiable; we’ll always be honest and fair with you. Our advice is unbiased and always in your best interests.

Talk to a commercial mortgage broker

We handle all types of commercial mortgages, from commercial investment and owner-occupier to semi-commercial. Our expert commercial mortgage brokers are eager to help with your future aspirations. Just get in touch through our channels.