Property finance for the UK medical and care sector

Finance built around medical and care property

Buying or refinancing a healthcare premises is not like buying an ordinary commercial building. The value sits partly in the bricks and mortar and partly in the business that trades from it, whether that is a GP partnership reimbursed for its premises, a dental practice with goodwill and a patient list, a community pharmacy valued on EBITDA and NHS contract income, or a care home assessed as a going concern. Lenders that understand these dynamics will lend differently, and more generously, than a general high-street bank. We arrange finance through that specialist panel.

What we arrange

We work across the three things owners and operators come to us for. The first is purchase: owner-occupier commercial mortgages for partnerships and operators buying their premises, often moving off a lease and into ownership. The second is refinance: replacing an expiring facility, lowering a rate, releasing equity for investment, or consolidating borrowing across a group. The third is development: ground-up and conversion funding for new primary care centres, dental surgeries, pharmacies and care developments, structured to release as the build progresses.

Who we work with

Our clients are GP partnerships and salaried partners stepping into premises ownership, dental associates buying their first practice and principals expanding, community pharmacy owners, and care operators running residential, nursing and supported living services. We also work with developers and investors building healthcare property, and with accountants and solicitors who refer their clients to us when a deal needs sector-aware funding. If you own, run or are buying a medical or care premises, we can help.

How the process works

It starts with a conversation. We will ask about the property, the business, the price or the loan you need, and your own position. From there we go to the lenders most likely to support the deal and come back with indicative terms, setting out the likely loan amount, the contribution you need, and the broad shape of the facility. If you want to proceed, we manage the full application: packaging the case, instructing valuation, liaising with your solicitor and keeping the lender moving through to formal offer and drawdown. You deal with us throughout rather than chasing a bank.

Indicative terms, honestly set

We do not publish fixed rates, because the right number depends on the asset, the income, the term and your profile, and because quoting a headline rate that does not survive underwriting helps no one. What we will give you, quickly, is a realistic, indicative view of what is achievable, and a straight answer on which lenders are likely to support it. Every figure we provide is indicative and subject to status, valuation and full lender approval.

Medical Centre Property Finance is a commercial finance brokerage and an independent directory of UK care and healthcare premises. Premises details, ratings and registration information are sourced from official public registers (the Care Quality Commission, NHS England, Public Health Scotland, Open Data NI and the NHS Business Services Authority) under the Open Government Licence v3.0 and may not reflect the most recent inspection or update; we are not affiliated with these bodies. Commercial finance is not regulated by the Financial Conduct Authority. Any rates or terms quoted are indicative only and subject to lender approval, valuation and status. This site does not constitute financial advice; seek independent professional advice before borrowing.