Care Home Bridging Specialists
Specialist lenders for care and nursing home properties
Care homes are operational businesses as well as property assets, requiring lenders who understand CQC ratings, fee income analysis, and operator track records. These specialists have dedicated healthcare property teams.
What these specialists cover:
Registered nursing homes
Residential care homes
Assisted living schemes
Empty care homes for repositioning
Care home acquisitions
Specialist Lenders
| Lender | Rate From | Max LTV | Loan Range | Notes |
|---|---|---|---|---|
| Shawbrook | 0.65% /mo | 60% | £500,000 - £20,000,000 | Dedicated healthcare team. Strong on operational care homes with good CQC ratings. |
| Together | 0.70% /mo | 55% | £250,000 - £5,000,000 | Will consider smaller care homes. Flexible on operator experience. |
| Octopus Real Estate | 0.60% /mo | 65% | £1,000,000 - £50,000,000 | Specialist healthcare finance division. Portfolio acquisitions available. |
| United Trust Bank | 0.68% /mo | 55% | £500,000 - £10,000,000 | Prefer operational care homes only. CQC rating important. |
Common Questions
Can I bridge on a vacant care home?
Some lenders will, but LTV is lower and you'll need to show operator experience and re-registration timeline.
How does CQC rating affect lending?
Lenders prefer "Good" or "Outstanding" ratings. "Requires Improvement" is possible with a turnaround plan. "Inadequate" is very difficult.
What's the typical LTV for care home bridging?
Usually 55-65% depending on operational status, occupancy, and CQC rating.
Compare All Bridging Lenders
See live rates from 26+ UK lenders, not just specialists
Compare All Rates