Assisted living finance by property type
Every property type is underwritten differently. We know which lenders back each one.
Assisted living and care spans a wide range of property types, and each is funded on its own tests by its own set of lenders. Specialist supported housing turns on the long lease, the indexation and the registered-provider covenant. A residential care or nursing home turns on operator EBITDARM, occupancy, fee mix and the CQC rating. Exempt accommodation turns on the lease to the provider and the cost of any conversion works, while a multi-asset portfolio is underwritten on the operating business or the lease book as a whole. We arrange finance across specialist supported housing, supported living, assisted living, residential care homes, nursing homes, exempt accommodation, retirement living and care portfolios, matching each deal to the lenders that actively back it.
Supported living
Funding for specialist supported housing let on long, index-linked leases to a registered provider, where the lender underwrites the lease and the provider covenant rather than the investor.
Learn more
Assisted living
Funding for assisted living and extra care schemes, age-restricted housing with care on hand, underpinned by an ageing population and a long demand runway.
Learn more
Residential care homes
Funding for CQC-registered residential care homes, where the lender underwrites the operating business: EBITDARM, occupancy, fee mix, beds and the CQC rating.
Learn more
Nursing homes
Funding for CQC-registered nursing homes, where registered nursing care, higher acuity and a higher fee base sit on top of the residential care underwriting model.
Learn more
Supported housing
Funding for lease-based supported housing and exempt accommodation, often converted HMO stock let to a registered provider, where the lender underwrites the lease and the provider rather than the borrower.
Learn more
Retirement living
Funding for retirement living and later living schemes, age-restricted homes with services for older people, financed against the sales programme, the rental income or the operator lease.
Learn more
Care portfolios
Funding for multi-asset care and supported-housing portfolios, from cross-collateralised facilities to the acquisition and refinance of whole operator and investment groups.
Learn moreFunding an assisted living or care property?
Whatever the type, send us the outline and we will tell you what is fundable and on what terms.