Assisted living and supported housing finance across the UK

Assisted living and supported housing is one of the strongest demand stories in UK property, driven by an ageing population and a shortage of accessible homes. It is capital-hungry at every stage. The right facility is rarely the cheapest headline rate. It is the one that completes on time, carries the asset through lease-up or occupancy build and refinances cleanly onto long-term debt. We arrange that facility.

We work with buy-to-let investors, landlords and care operators across the country. We arrange the acquisition finance that buys a supported living investment, a care home or the company that operates one, the bridging that secures a site or an auction purchase quickly, the development finance that funds a ground-up scheme or a conversion, the mezzanine and equity that complete the capital stack, and the commercial mortgages and term debt that hold a trading asset for the long run.

Care and supported housing is underwritten differently from standard buy-to-let. On supported living let to a registered provider, lenders read the long lease, the indexation and the provider covenant, with vacant possession value as the downside. On care and nursing homes they read operator EBITDARM, mature occupancy, the fee mix and the CQC rating. Because we sit across more than one hundred lender relationships, we know which desks genuinely back each one, at what leverage and on what terms. That is the work.