Assisted living finance and investment guides
Plain-English guides to buying, building, leasing and financing assisted living, supported housing and care property in the UK.
These guides cover the assisted living, supported housing and care sector end to end: how to buy a property, whether supported living and care are good investments, what new schemes and conversions cost to build, how registered-provider leases and operator covenants work, how the finance stack runs from bridging to mezzanine, and what the UK market data says about occupancy, fees and the supply gap. They are written and reviewed by Matt Lenzie, who has arranged more than £500 million of property finance over 25 years. When you want a real view on a deal, send it to us and we will come back within one working day.
Returns, yields and the demand thesis behind supported living, assisted living and care property investment in the UK.
Is supported living a good investment?
Whether supported living is a good investment in the UK: registered-provider leases, indicative yields, the demand thesis and the risks, with sourced market data and how investors finance it.
Read guide →Assisted living property investment in the UK
How assisted living, extra care and retirement living property investment works in the UK: the demand thesis, income models, indicative yields and risks, with sourced data and finance routes.
Read guide →Care home investment yields in the UK
What care home investment yields look like in the UK: prime versus secondary, value per bed, how EBITDARM and occupancy drive pricing, and what lenders fund, with sourced figures.
Read guide →How specialist supported housing, exempt accommodation and the registered-provider lease model actually work.
Specialist supported housing explained
What specialist supported housing is and how it works in the UK: the registered-provider lease, housing benefit funding, RSH regulation and how lenders underwrite the covenant.
Read guide →Exempt accommodation explained
What exempt accommodation is and how it works in the UK: enhanced housing benefit, supported housing HMOs, who provides care and support, the regulation, and how it is financed.
Read guide →How the supported living lease works
How the supported living lease works in the UK: long index-linked FRI leases to a registered provider, headlease versus underlying, repairing and void risk, and what lenders underwrite.
Read guide →Financing a care home or supported living asset: deposits, loan to value, bridging and term debt.
How to finance a care home
How to finance a care home in the UK: commercial mortgages, deposits and loan to value, how lenders read operator EBITDARM and occupancy, and the route from offer to drawdown.
Read guide →Care home mortgage deposits and loan to value
Care home mortgage deposits and loan to value in the UK: how much deposit you need, going-concern versus bricks-and-mortar value, and how experience and trading history move the numbers.
Read guide →Bridging versus a term loan on care property
Bridging versus a term loan on care and supported living property: speed and flexibility against cost and term, when each fits, and how a bridge-to-term plan works, with worked examples.
Read guide →Funding ground-up care schemes and conversions to supported living, including planning use classes.
Care home development finance
How care home and supported living development finance works in the UK: loan to cost and loan to GDV, pre-let and forward funding, build cost, planning and the exit onto investment debt.
Read guide →Converting a property to supported living
How to convert a property to supported living in the UK: suitable buildings, the works, planning and use classes, registering with a provider, and how conversions are financed.
Read guide →Planning use classes for care and supported housing
Planning use classes for care and supported housing in the UK: C2 residential institutions, C3 dwellinghouses, sui generis HMOs, change of use, and why the class affects your finance.
Read guide →Registered providers, housing associations and the pros and cons of the lease-based model.
Registered providers and housing associations explained
Who registered providers and housing associations are in supported housing, how the lease-based model works, RSH regulation, and why the provider covenant is what lenders underwrite.
Read guide →Supported living investment: pros and cons
The pros and cons of supported living investment in the UK: long index-linked leases and hands-off income against provider covenant, void and regulatory risk, with a balanced view and the finance.
Read guide →The UK care and supported-housing market: size, occupancy, fees, yields and the demographic demand.
Got an assisted living or care deal in mind?
Send us the outline and we will come back with a view on fundability and likely terms within one working day.