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Supported living, care provision, community housing — we understand the leases, the care models, and the mission.
We only submit to lenders who've underwritten supported living, care provision, or your specific lease structure. No wasted valuations, no wasted legal fees when the lender discovers what your property actually does at underwriting stage.
The wrong valuer kills more deals in this sector than the wrong lender. We instruct surveyors who understand care home leases, supported living rent structures, and the income models that underpin them.
Every tier has a different lender appetite. We know who funds what, so you're not finding out the hard way in month three.
Social housing finance covers mortgage and refinance facilities against property used in the social housing sector — supported living, care provision (residential care, nursing, dementia), community housing, or properties leased to registered providers of social housing (RPs), charities, and local authorities. The challenge is that most mainstream commercial lenders refuse these properties once tenant vulnerability or specialist care is involved.
The most common failure mode in this sector isn't rejection — it's pull-out. Lender agrees, valuation gets instructed (£500–£1,500+ cost), legal work begins (more cost), then underwriting discovers what supported living actually means and withdraws. Months of work and thousands in fees, wasted. That's what we're set up to prevent.
Property, lease structure, lessee, care model, tier. We build a deal summary before approaching any lender.
Only lenders who've underwritten this lease type and care model before. No scatter-gun, no pull-out risk.
We instruct surveyors who understand supported living and care income models. The wrong valuer is what kills these deals.
Typical 10–16 weeks. We stay on top of the lender, valuer, and solicitors throughout.
Own or operate supported living property — typically leased to a registered provider, housing association, or local authority. You need finance that understands the lease structure, the tenant vulnerability, and the income model. We route to lenders who genuinely operate in this space.
Start your enquiryResidential care, nursing homes, dementia care, learning disability provision. The lender market here is narrower still — 24-hour care with carers on rotation cuts the panel to around four active lenders. We know which ones, and we know which surveyors they accept.
Start your enquiryA specialist broker like Norwest Insurance is the quickest route to the right social housing finance deal in the UK. With 120+ lenders on our panel and over 50 years of experience, we match your profile to the right lender before any hard credit check — so your first application is the right one. Call 0161 225 9200 or send a 60-second enquiry and we'll come back with a clear picture of what's possible.
Yes, but the lender market is narrow and highly selective. Roughly 8 active UK lenders will touch supported living properly, and criteria vary significantly — lease length, the registered provider taking the lease, property suitability, and the care model all affect who'll fund. We match profile to lender before submission.
Market narrows further — approximately 4 active lenders will consider 24-hour care with carers on rotation. The decision drivers are lease structure (length, break clauses, rent review mechanism), lessee covenant strength, and property purpose-build vs adapted residential. We work across all of them.
Because many lenders say yes to the property at initial sight but don't actually underwrite supported living or care provision frequently — so when the underwriter reads the lease structure or discovers the tenant vulnerability profile, they pull out. We only submit to lenders who've seen the lease type before, so the decision is robust from enquiry, not discovered in month two.
For supported living and care provision, leases are usually 15–25 years to a registered provider, housing association, or charity. Rent is indexed annually (CPI or RPI, with caps and collars). Break clauses, if present, are typically lender-unfavourable if buyer-exercisable — we negotiate these carefully pre-submission.
Yes. Sometimes the lease is already in place and we're financing a property acquisition to lease to an RP; sometimes we're refinancing an RP's own property holdings. Both scenarios sit within our specialism — the underwriting approach differs but the lender panel overlaps.
Yes — trading care homes and owner-operated care provision sit under commercial mortgage rules rather than pure social housing lending. The lender will look at your trading accounts (EBITDAR, occupancy, CQC rating) alongside the property. Different product, same process — we'll identify whether your deal sits in social housing lending or trading commercial mortgage territory in the first call.
Buying, refinancing, or owner-occupying — matched to the right lender from 120+.
Learn moreFast short-term finance. Terms in hours, funds in days — when a deal won't wait.
Learn moreHMOs, holiday lets, portfolio landlords — lenders for the properties others reject.
Learn moreFacilities from £1m upwards — SPVs, trust structures, multi-site portfolios.
Learn moreWritten AIP before you bid. Completion inside your 28-day deadline.
Learn moreUnlock equity in your commercial property — without remortgaging, without the runaround.
Learn moreTell us about the property and the lease in 60 seconds. We'll come back with a lender match that won't pull out at underwriting — no obligation, no hard credit check.