14,864
Care homes
Property finance for the medical and care sector
Property finance, measured.
For the people who own Britain's surgeries, dental practices, pharmacies and care homes. We value the building and the business behind it, then arrange the funding to match.
Coverage by premises type
01
02
12,182
Dental practices
03
11,039
GP surgeries
04
10,471
Pharmacies
The finance
Funding drawn to the asset
Every healthcare property is priced on its own terms. Pick the line that fits the building you own or the one you are buying.
F·01
GP surgery & medical centre finance
Owner-occupier mortgages and premises loans for GP partnerships and medical centres, including NHS reimbursement-backed lending.
Read more → F·02
Dental practice finance
Practice purchase, goodwill and premises finance for associates and principals acquiring or refinancing a dental practice.
Read more → F·03
Pharmacy finance
Acquisition and refinance funding for community pharmacies, valued on EBITDA and NHS contract income.
Read more → F·04
Care home & supported living finance
Going-concern and bricks-and-mortar finance for residential, nursing and supported living operators.
Read more → F·05
Clinic & healthcare premises finance
Commercial mortgages for private clinics, diagnostic centres and specialist healthcare premises.
Read more → F·06
Healthcare development finance
Ground-up and conversion development funding for new primary care, dental and care developments.
Read more → F·07
Healthcare property refinance
Refinance to release equity, lower your rate or move off an expiring facility across any healthcare asset.
Read more → The method
From first call to drawdown
STEP 01
Measure the asset
Tell us about the premises and the business that trades from it, whether you are buying, refinancing or building. We take the dimensions that lenders care about.
STEP 02
Plot the lenders
We approach the banks and specialist lenders most likely to support the deal and come back with indicative terms you can act on.
STEP 03
See it through
If you proceed, we package the case, instruct valuation and work with your solicitor and the lender right through to drawdown.
The practice
Sector finance, backed by sector data
A healthcare premises is not an ordinary commercial building. Its value sits partly in the bricks and mortar and partly in the business that trades from it, from a GP partnership reimbursed for its premises to a care home assessed as a going concern. We arrange finance through lenders that understand that, so the terms reflect the asset properly.
To do that well, we keep a complete map of where these premises sit. We have surveyed 57,799 CQC-registered care and healthcare locations across 110 English counties, from surgeries and dental practices to clinics, hospitals and care homes. That directory is the supporting half of our work, and it is free to browse.
The reference
Owner guides to healthcare property finance
Practical explainers on the things owners ask us about, from GP notional rent and dental goodwill to care home lending, stamp duty and refinancing.
- GP premises, notional rent and NHS reimbursement →
- Dental practice valuation and goodwill finance →
- Pharmacy valuation: EBITDA and the NHS contract →
- Care home finance: going concern versus bricks and mortar →
- Owner-occupier versus investment healthcare property →
- SDLT on commercial healthcare property →
The survey
Healthcare property by county
Local market context and the premises in each area, paired with the finance we arrange there. A sample from the full schedule of 110 counties.
| Ref | County | Premises mapped |
|---|---|---|
| 01 | Greater London | 9,123 |
| 02 | West Midlands | 3,282 |
| 03 | Greater Manchester | 2,930 |
| 04 | West Yorkshire | 2,188 |
| 05 | Sussex | 2,104 |
| 06 | Kent | 1,999 |
| 07 | Essex | 1,780 |
| 08 | Hampshire | 1,701 |
| 09 | Lancashire | 1,628 |
| 10 | Merseyside | 1,504 |
FAQ
Common questions about healthcare property finance
What does Medical Centre Property Finance do?
We are a commercial finance brokerage for the UK medical and care sector. We arrange property finance for GP surgeries, medical centres, dental practices, pharmacies, clinics and care homes, covering purchase, refinance and development. We also publish a UK-wide directory of care and healthcare premises that supports the finance side of the business.
Which medical and care premises can you finance?
We arrange finance against GP surgeries and medical centres, dental practices, community pharmacies, private clinics, diagnostic centres, hospitals, hospices, urgent care and rehabilitation premises, and residential, nursing and supported living care homes. If it is a medical or care property, we can usually help.
Do you lend the money or arrange it?
We arrange it. We are a broker with a panel of banks and specialist lenders that understand healthcare property, and we manage each case from first enquiry through to drawdown. We do not provide financial advice.
How much does it cost to get indicative terms?
Nothing. Getting an indicative view of what is achievable is free and carries no obligation. Tell us about the property and what you want to do, and we will come back to you. Any figures we give are indicative and subject to status and valuation.
Is commercial property finance FCA regulated?
Commercial property finance of this kind is generally not regulated by the Financial Conduct Authority. We act as a broker arranging funding from a panel of lenders, and we recommend you take independent professional advice before borrowing.
No obligation
Own or buying a healthcare property?
Tell us about the premises and what you want to do. We will measure the asset and come back with indicative terms.