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As a commercial finance broker, we work to secure specialist funding for care home operators across the UK, including specialist residential care units. A health care commercial mortgage is a bespoke lending solution which clients utilise to purchase, refinance, or expand care home businesses.

Care home mortgages are assessed on the strength of the underlying operating business and its principals. Lenders focus on more than just cash flow, with wider operational elements always forming part of the assessment we undertake when presenting a case, rather than relying solely on the property’s value.

Finance Solutions for Care Home Clients

We can support finance solutions for:

• Term Loan Mortgages, inclusive of;
  • Refinancing historic debt
  • New Purchases and expansions
  • Capital raising for Capex spend or Refurbishment Requirements
  • MBO or business and asset sales
• Bridging Loans and Short term finance
• Unsecured & Secured Business Loans

Whether applicants are acquiring their first care home or expanding an existing portfolio, Omega can source competitive funding from specialist healthcare lenders.

Terms are tailored to each specific requirement, client and business;

FEE FREE – options are available where refinancing debt or borrowing in excess of £750,000

Interest Rates available from 1.60% above Bank Base Rate

Funding is structured against both MV1 and MV3 subject to client experience;

Experienced Operators               70% against MV1

First Time buyers:                          120% against MV3

Specialist care and care provision residential units specific to the exact nature of the property and care provided, 70% against MV1 and 90% of Alternative Use Value options available.

Speak to a member of our experienced team today to better understand what terms are available, how we can assist and for fee free no obligation initial discussion and quotation.

What Is a Health Care Commercial Mortgage?

A health care commercial mortgage is a bespoke business loan secured against a care home or healthcare property. These facilities can be used to:

• Purchase an existing care home
• Acquire a new healthcare property
• Refinance existing borrowing
• Release equity for expansion
• Fund renovation or redevelopment projects
• Support business growth and acquisitions

Because the success of a care home is closely linked to its operational performance, lenders assess far more than the value of the building alone.

Care Home Mortgages across the UK

We are seeing an increased demand for specialist finance within care provision across the UK, with specific reference in recent enquiries to care home mortgages London as operators seek opportunities across the capital and Southeast. Our access to specialist lenders enables us to structure funding solutions for a range of care sectors, including residential, nursing, and dementia care facilities.

Partner with Omega – Helping Your Clients

As experienced commercial finance brokers, we help introducers identify the most suitable lending options, navigate complex applications, and secure competitive terms. We can also provide guidance on affordability and funding structures, supported by tools such as a commercial mortgage calculator. The client remains yours, but you have our backing and unique access to market specific lenders.

Supporting our partners

The IFAs and introducers in our partner networks who have clients seeking care home finance can approach us not just for support in structuring and submitting the deal but service beyond that. We can help put together tailored funding solutions that not only exceed client expectations but enable them to earn from stress free referrals.

Speak to us today. 0333 6000 007