Buying a care home whether as a new entrant to the sector or scaling up your care home portfolio is a big step, and it’s not just about finding the right property, it’s also about securing the right funding. With so many lenders, and requirements out there, it can feel overwhelming to know where to start. That’s where a specialist care home finance broker comes in. 

Think of them as your guide through the financial maze: someone who understands the care sector with in-depth knowledge, knows which lenders are most likely to support your plans, and can negotiate on your behalf to save you time, money, and stress. Instead of juggling endless conversations with banks, you get an experienced trusted partner focused on finding the best deal for your acquisition leaving you to concentrate on building your future care home business.

Here are a few reasons to use a specialist care home finance broker:

Access to Specialist Lenders

Care home acquisitions are not like typical property transactions.  The sector contains complexities such as regulatory requirements, staffing structures, care home service, occupancy fluctuations, and lending covenants. A finance broker with care home sector expertise knows which specialist lenders actively support care home purchases and can open doors to funding sources you might not reach alone.

Tailored Funding Structures

No two care homes are alike. The financial needs of a large, multi-site operator differ vastly from those of a first-time buyer acquiring a single home. Brokers help design funding structures that fit your specific goal, whether that means balancing debt with equity, negotiating repayment terms that align with cashflow, or securing staged funding for refurbishment and compliance upgrades.

Time and Cost Efficiency

Securing finance directly can be time-consuming, involving multiple communications and negotiations. A broker streamlines the process by working with you to prepare your finance application, anticipating lender concerns, and presenting your case in the most compelling way. This not only saves time but also increases your chances of approval at competitive rates.

Expert Guidance on Valuations and Risk

Care home valuations aren’t just about property; they factor in business performance, regulatory compliance, and local market demand. At Chandler & Co we understand how lenders view these elements and can advise you on potential risks, deal structures, and ways to strengthen your application before approaching lenders.

Stronger Negotiating Position

With a broker handling the care sector specific finance, you can focus on the operational and strategic aspects of your care home acquisition.  Specialist care home sector market knowledge means that the Team at Chandler & Co can negotiate for better terms with more flexible repayment options, strengthening the future sustainability of your business.

Ongoing Support beyond aquisition

The best brokers don’t disappear once the deal completes. They can provide ongoing financial advice, help refinance when needed, and support growth strategies such as expanding to multiple sites or funding improvements to increase occupancy rates.

The specialist care home finance brokers at Chandler & Co find you a loan and act as your strategic partner understanding both the care sector and the financial market, helping you secure the right funding on the right terms for a successful and sustainable acquision.