Care home commercial mortgages: CQC, occupancy, and the Brighton specialist desks
Care home and assisted-living commercial mortgages are sector-specialist lending with sector-specific underwriting around CQC rating, occupancy, weighted-average bed value and council-versus-private fee mix. This piece walks through the active care-home lender desks for the Brighton market (Shawbrook, Cambridge & Counties, Hampshire Trust), the rate ranges, the document pack required at submission, and worked examples around the Withdean, Hove and Preston Park care-home catchments.
This piece is in preparation.
The outline below is the planned structure for the full piece. Send a topic suggestion or a follow-up question to enquiries@commercialmortgagesbrighton.co.uk and we will work it in.
Coming soon, sector-specialist guide to care home commercial mortgages in Brighton.
Outline
- The sector underwriting metrics: CQC, occupancy, WABV, fee mix
- Active Brighton care-home lender desks
- Typical LTV, term, rate and ERC pattern
- The document pack at submission
- Re-inspection cycle risk and refinance timing
- Worked example: 32-bed Withdean care home refinance
- Worked example: 18-bed Hove care home acquisition
- Specialist versus mainstream: when each makes sense
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