Assisted living finance in the Scotland

Scotland is a country within the United Kingdom with more than 790 surrounding islands, a population of around 5.4 million and nearly a third of the UK's land area. We arrange the full range of assisted living finance across the Scotland, from the acquisition finance and commercial mortgages that buy and hold a trading care home or a lease-backed supported living asset, to the bridging, development, mezzanine and equity behind a build, a conversion or a repositioning. Care and supported-housing market data is published nationally by Knight Frank, CBRE and the ONS, so the figures above are presented as clearly-labelled benchmarks, while the housing-transaction figure is genuinely local Land Registry data for the towns we track.

Scotland's care market operates under its own regulation, with the Care Inspectorate registering services and free personal and nursing care supporting occupancy. Glasgow and Edinburgh carry the deepest demand, and an ageing central-belt population underpins care home and supported living need. Acquisition prices below the English south support keener yields for investors, and registered social landlords are active in supported housing. Lenders familiar with Scottish care underwrite the operator covenant and the regulatory position alongside the property.

On capital values, a modern, well-occupied purpose-built care home trades at an indicative £100,000 to £150,000 per bed on a going-concern basis (Knight Frank / care market commentary, 2025), with older and converted stock materially lower, while supported living is valued off the lease to the registered provider at yields around around 5 to 6% (Knight Frank UK Living Sectors Yield Guide / market commentary, 2025). Around around £12bn of UK healthcare property is forecast to transact in 2025 (Knight Frank, UK Healthcare, 2025 forecast), with investment into the wider UK Living sector reaching £3.2bn in a single quarter (CBRE UK Living, Q3 2025).

Benchmark figures from Knight Frank UK Care Homes Trading Performance Review 2025; Knight Frank UK Living Sectors Yield Guide, September 2025. Regional commentary draws on Knight Frank (UK Care Homes Trading Performance Review, 2025).