Buying, refinancing, or expanding a care home?
Welcome to Momentum Mortgages – your commercial mortgage broker specialists
Based in Sevenoaks, Kent and serving clients throughout London and the whole of the UK
Whether you’re an experienced operator or taking your first step into the healthcare sector, we can help you secure the right commercial mortgage to support your business.
A care home mortgage is a type of commercial loan secured against a property used to provide residential care or nursing services. It can be used to:
If you’re purchasing a property with CQC registration and ongoing care provision, we can help structure the finance to suit both the property and the trading business.
Loan sizes for care homes typically start at £100,000 and can stretch into the millions, depending on the size of the operation and the property’s value.
Lenders generally offer up to 70% of the purchase price or property value, with higher gearing possible for experienced operators or group acquisitions.
We’ll work with you to present a strong application and maximise your funding potential.
Even if you’re new to the sector, we may still be able to help—especially if you have a solid business plan and a strong management team.
Financing a care home isn’t just about bricks and mortar. It’s about understanding the sensitive, highly regulated environment you’re operating in—and what lenders need to feel confident in your business.
We work closely with care home mortgage specialists and know how to position your case, even if it’s complex, urgent, or outside the norm.
Let’s talk about your care home mortgage
Whether you’re acquiring your first home, scaling your group, or refinancing for growth, we’re ready to help.
