Healthcare property finance guides
Practical, owner-focused explainers on buying, refinancing and developing medical and care premises. Written by a commercial finance brokerage that arranges this funding every day.
GP premises, notional rent and NHS reimbursement
How NHS premises reimbursement works for GP-owned surgeries, and why it matters when you finance the building.
Read the guide →Dental practice valuation and goodwill finance
How dental practices are valued, why goodwill matters, and how finance is structured for a practice purchase.
Read the guide →Pharmacy valuation: EBITDA and the NHS contract
Why community pharmacies are valued on earnings and contract income, and how that shapes acquisition finance.
Read the guide →Care home finance: going concern versus bricks and mortar
The two ways a care home is valued and financed, and why the difference changes how much you can borrow.
Read the guide →Owner-occupier versus investment healthcare property
The difference between financing premises you trade from and premises you let to a healthcare tenant.
Read the guide →SDLT on commercial healthcare property
How stamp duty land tax applies to commercial healthcare premises, and where it sits in your purchase costs.
Read the guide →Buying into a GP or dental partnership
What an incoming partner needs to know about the premises share and how to finance buying in.
Read the guide →The commercial mortgage process for healthcare premises
A step-by-step view of how a commercial mortgage on a surgery, practice or care home actually proceeds.
Read the guide →Refinancing healthcare property
When and why to refinance a surgery, practice, pharmacy or care home, and what refinancing can achieve.
Read the guide →Development finance for primary care
How ground-up and conversion development funding works for new surgeries, dental and care developments.
Read the guide →Lease versus freehold for practices
The trade-offs between leasing and owning your practice premises, and how each affects finance.
Read the guide →How lenders assess healthcare covenants
What a covenant is, why it matters for healthcare property lending, and what makes a strong one.
Read the guide →Buying your first healthcare premises
A practical first-timer's guide to financing the move from leasing or employment into owning premises.
Read the guide →Succession and exit for healthcare property owners
How property ownership plays into partner changes, retirement and selling a healthcare business.
Read the guide →Ready to talk about your own deal?
Tell us about the property and what you want to do. We will come back with indicative terms, with no obligation.