Care Home Finance Transistor (https://transistor.fm) https://feeds.transistor.fm/care-home-finance Care Homes Finance is the podcast for people who own, run, buy or invest in UK care homes and want to understand how the funding really works. Hosted by Georgina, each episode explains how lenders price and underwrite trading care homes, on EBITDARM, occupancy, fee mix and CQC standing, and the deal shapes behind acquisition, development, refinance, bridging, turnaround and portfolio funding. We cover the demand and supply backdrop driving the sector: an ageing population, a shortfall of modern purpose-built beds, and the weight of investment capital flowing into UK healthcare property. We translate research-house data from Knight Frank, Savills, CBRE, Carterwood, LaingBuisson, ONS and CQC into what it actually means for a borrower sizing a loan. Every number is grounded in current sector research, and we never name individual lenders. Each episode finishes with the practitioner read and a twelve-month outlook for care home finance borrowers. Hosted by Georgina at Care Homes Finance. For care home finance enquiries visit https://carehomesfinance.co.uk/ This is general market commentary, not financial advice, and we are not FCA authorised. Commercial finance for trading care homes is unregulated business lending. Where a deal needs regulated advice, it should go to a regulated firm. Copyright Care Home Finance 2026 fc03ace1-9c4c-5295-845f-391e061c439f yes en Tue, 23 Jun 2026 15:00:06 +0100 Tue, 23 Jun 2026 15:01:51 +0100 https://carehomesfinance.co.uk https://img.transistorcdn.com/PbBkOlMm8-aYMUsLr1o7LwqettVybsen5EHQ79PBuAU/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS82YTBh/ZTAyYTkyYzVjYWU1/Y2Y5Mjc4YTVjNzhi/N2YzNy5wbmc.jpg Care Home Finance https://carehomesfinance.co.uk episodic Care Home Finance Care Homes Finance is the podcast for people who own, run, buy or invest in UK care homes and want to understand how the funding really works. Hosted by Georgina, each episode explains how lenders price and underwrite trading care homes, on EBITDARM, occupancy, fee mix and CQC standing, and the deal shapes behind acquisition, development, refinance, bridging, turnaround and portfolio funding. We cover the demand and supply backdrop driving the sector: an ageing population, a shortfall of modern purpose-built beds, and the weight of investment capital flowing into UK healthcare property. We translate research-house data from Knight Frank, Savills, CBRE, Carterwood, LaingBuisson, ONS and CQC into what it actually means for a borrower sizing a loan. Every number is grounded in current sector research, and we never name individual lenders. Each episode finishes with the practitioner read and a twelve-month outlook for care home finance borrowers. Hosted by Georgina at Care Homes Finance. For care home finance enquiries visit https://carehomesfinance.co.uk/ This is general market commentary, not financial advice, and we are not FCA authorised. Commercial finance for trading care homes is unregulated business lending. Where a deal needs regulated advice, it should go to a regulated firm. Care Homes Finance is the podcast for people who own, run, buy or invest in UK care homes and want to understand how the funding really works. care home finance, care homes finance, Care Home Finance No No Care Home Finance: 2026 Market Outlook | Pricing, Lenders, CQC and Funding Options 1 1 Care Home Finance: 2026 Market Outlook | Pricing, Lenders, CQC and Funding Options full 2a51b168-dbc7-4734-b6b7-9132b4386058 https://share.transistor.fm/s/62ea529c Care Home Finance: 2026 Market Outlook

The UK is on track to be short of nearly 277,000 modern, purpose-built care beds by 2026, and last year more than 12 billion pounds poured into UK healthcare property, the highest figure on record. In this launch episode of Care Homes Finance, host Georgina unpacks what that demand gap and wall of capital mean for anyone who owns, runs or wants to buy a care home, and lays out a full 2026 market outlook on pricing, lenders, CQC and the deals that fund the sector.

We explain why a trading care home is financed as an operating business, not as a building, and what going-concern value means. We walk through EBITDARM, the sector profitability measure, with the average margin recovering to around 30 percent of income (Knight Frank, 2024/25), and how occupancy at 88.7 percent (Knight Frank), the self-pay versus local-authority fee mix, and scale all feed the numbers a lender sizes a loan against.

We set it against the demand and supply backdrop:

  • The 85-plus population set to roughly double from 1.75 million to 3.6 million by 2049 (ONS)
  • Nearly 277,000 market-standard beds short by 2026 (Carterwood), with 44 percent of current capacity not purpose built (LaingBuisson)
  • The Bank of England base rate held at 3.75 percent since the December 2025 cut, the anchor for 2026 pricing

We then move through the deals that actually fund the sector: acquisition finance, development and extension finance, refinance and equity release, bridging, distressed and turnaround finance, and group and portfolio funding. We finish with the three lender camps, specialist healthcare lenders, challenger banks and high-street banks, and a twelve-month outlook for borrowers.

Chapters

  • 00:00 Cold open: the bed shortfall and the wall of capital
  • 00:45 Disclaimer: general market commentary, not advice
  • 01:10 The sector in numbers: an ageing population and rising demand
  • 02:05 Short of modern, purpose-built stock
  • 03:00 The base rate and the 2026 pricing environment
  • 03:45 Why a care home is financed as a business, not a building
  • 04:55 How lenders measure the cash: EBITDARM
  • 06:00 Occupancy, fee mix and scale
  • 07:15 CQC ratings: the biggest swing factor on pricing
  • 08:25 Funding options: acquisition, development, bridging, turnaround, portfolio
  • 09:50 Who actually lends: specialist, challenger and high-street
  • 10:30 The weight of capital and the live development pipeline
  • 11:05 Twelve-month outlook and where to go next

Watch the video version

Read the full report on https://carehomesfinance.co.uk/


Across the cloud network


Our care home finance market outlook is published across our cloud network with a different angle per platform:

Sources


Figures cited are drawn from Knight Frank, Savills, CBRE, Carterwood, LaingBuisson, ONS and CQC, plus Construction Capital planning data. All figures are third-party research-house estimates and indicative market commentary.

About


Care Homes Finance is the practitioner podcast on funding UK trading care homes. We help people who own, run, buy or invest in care homes understand how lenders price and underwrite the sector and how the deals behind acquisition, development, refinance, bridging, turnaround and portfolio funding actually work. 


This episode is general market commentary, not financial advice, and not an offer of any kind. We are not FCA authorised. Commercial finance for trading care homes is unregulated business lending. Where a deal needs regulated advice, it should go to a regulated firm.


For care home finance enquiries, visit https://carehomesfinance.co.uk/

]]> Care Home Finance: 2026 Market Outlook

The UK is on track to be short of nearly 277,000 modern, purpose-built care beds by 2026, and last year more than 12 billion pounds poured into UK healthcare property, the highest figure on record. In this launch episode of Care Homes Finance, host Georgina unpacks what that demand gap and wall of capital mean for anyone who owns, runs or wants to buy a care home, and lays out a full 2026 market outlook on pricing, lenders, CQC and the deals that fund the sector.

We explain why a trading care home is financed as an operating business, not as a building, and what going-concern value means. We walk through EBITDARM, the sector profitability measure, with the average margin recovering to around 30 percent of income (Knight Frank, 2024/25), and how occupancy at 88.7 percent (Knight Frank), the self-pay versus local-authority fee mix, and scale all feed the numbers a lender sizes a loan against.

We set it against the demand and supply backdrop:

  • The 85-plus population set to roughly double from 1.75 million to 3.6 million by 2049 (ONS)
  • Nearly 277,000 market-standard beds short by 2026 (Carterwood), with 44 percent of current capacity not purpose built (LaingBuisson)
  • The Bank of England base rate held at 3.75 percent since the December 2025 cut, the anchor for 2026 pricing

We then move through the deals that actually fund the sector: acquisition finance, development and extension finance, refinance and equity release, bridging, distressed and turnaround finance, and group and portfolio funding. We finish with the three lender camps, specialist healthcare lenders, challenger banks and high-street banks, and a twelve-month outlook for borrowers.

Chapters

  • 00:00 Cold open: the bed shortfall and the wall of capital
  • 00:45 Disclaimer: general market commentary, not advice
  • 01:10 The sector in numbers: an ageing population and rising demand
  • 02:05 Short of modern, purpose-built stock
  • 03:00 The base rate and the 2026 pricing environment
  • 03:45 Why a care home is financed as a business, not a building
  • 04:55 How lenders measure the cash: EBITDARM
  • 06:00 Occupancy, fee mix and scale
  • 07:15 CQC ratings: the biggest swing factor on pricing
  • 08:25 Funding options: acquisition, development, bridging, turnaround, portfolio
  • 09:50 Who actually lends: specialist, challenger and high-street
  • 10:30 The weight of capital and the live development pipeline
  • 11:05 Twelve-month outlook and where to go next

Watch the video version

Read the full report on https://carehomesfinance.co.uk/


Across the cloud network


Our care home finance market outlook is published across our cloud network with a different angle per platform:

Sources


Figures cited are drawn from Knight Frank, Savills, CBRE, Carterwood, LaingBuisson, ONS and CQC, plus Construction Capital planning data. All figures are third-party research-house estimates and indicative market commentary.

About


Care Homes Finance is the practitioner podcast on funding UK trading care homes. We help people who own, run, buy or invest in care homes understand how lenders price and underwrite the sector and how the deals behind acquisition, development, refinance, bridging, turnaround and portfolio funding actually work. 


This episode is general market commentary, not financial advice, and not an offer of any kind. We are not FCA authorised. Commercial finance for trading care homes is unregulated business lending. Where a deal needs regulated advice, it should go to a regulated firm.


For care home finance enquiries, visit https://carehomesfinance.co.uk/

]]> Tue, 23 Jun 2026 14:11:06 +0100 Care Home Finance Care Home Finance 758 Care Home Finance: 2026 Market Outlook

The UK is on track to be short of nearly 277,000 modern, purpose-built care beds by 2026, and last year more than 12 billion pounds poured into UK healthcare property, the highest figure on record. In this launch episode of Care Homes Finance, host Georgina unpacks what that demand gap and wall of capital mean for anyone who owns, runs or wants to buy a care home, and lays out a full 2026 market outlook on pricing, lenders, CQC and the deals that fund the sector.

We explain why a trading care home is financed as an operating business, not as a building, and what going-concern value means. We walk through EBITDARM, the sector profitability measure, with the average margin recovering to around 30 percent of income (Knight Frank, 2024/25), and how occupancy at 88.7 percent (Knight Frank), the self-pay versus local-authority fee mix, and scale all feed the numbers a lender sizes a loan against.

We set it against the demand and supply backdrop:

  • The 85-plus population set to roughly double from 1.75 million to 3.6 million by 2049 (ONS)
  • Nearly 277,000 market-standard beds short by 2026 (Carterwood), with 44 percent of current capacity not purpose built (LaingBuisson)
  • The Bank of England base rate held at 3.75 percent since the December 2025 cut, the anchor for 2026 pricing

We then move through the deals that actually fund the sector: acquisition finance, development and extension finance, refinance and equity release, bridging, distressed and turnaround finance, and group and portfolio funding. We finish with the three lender camps, specialist healthcare lenders, challenger banks and high-street banks, and a twelve-month outlook for borrowers.

Chapters

  • 00:00 Cold open: the bed shortfall and the wall of capital
  • 00:45 Disclaimer: general market commentary, not advice
  • 01:10 The sector in numbers: an ageing population and rising demand
  • 02:05 Short of modern, purpose-built stock
  • 03:00 The base rate and the 2026 pricing environment
  • 03:45 Why a care home is financed as a business, not a building
  • 04:55 How lenders measure the cash: EBITDARM
  • 06:00 Occupancy, fee mix and scale
  • 07:15 CQC ratings: the biggest swing factor on pricing
  • 08:25 Funding options: acquisition, development, bridging, turnaround, portfolio
  • 09:50 Who actually lends: specialist, challenger and high-street
  • 10:30 The weight of capital and the live development pipeline
  • 11:05 Twelve-month outlook and where to go next

Watch the video version

Read the full report on https://carehomesfinance.co.uk/


Across the cloud network


Our care home finance market outlook is published across our cloud network with a different angle per platform:

Sources


Figures cited are drawn from Knight Frank, Savills, CBRE, Carterwood, LaingBuisson, ONS and CQC, plus Construction Capital planning data. All figures are third-party research-house estimates and indicative market commentary.

About


Care Homes Finance is the practitioner podcast on funding UK trading care homes. We help people who own, run, buy or invest in care homes understand how lenders price and underwrite the sector and how the deals behind acquisition, development, refinance, bridging, turnaround and portfolio funding actually work. 


This episode is general market commentary, not financial advice, and not an offer of any kind. We are not FCA authorised. Commercial finance for trading care homes is unregulated business lending. Where a deal needs regulated advice, it should go to a regulated firm.


For care home finance enquiries, visit https://carehomesfinance.co.uk/

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