Healthcare Business Loans: Commercial Mortgages & Practice Purchase Loans for Dentists and Care Homes

Summary: UK Business Loans does not lend directly but helps dentists, dental practice buyers and care-home operators find and compare specialist commercial mortgages, practice purchase loans and property finance from lenders and brokers. We organise introductions for loans from around £10,000 upwards and can match your enquiry to providers experienced in dental practice acquisitions, care-home purchases, refinance and development finance. Complete a quick, no-obligation enquiry to get matched to suitable lenders and brokers.

Get Quote Now — Free Eligibility Check

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Short answer: Can dentists & care homes get commercial mortgages or practice purchase loans via UK Business Loans?

Yes. While UK Business Loans does not provide finance itself, we introduce dentists, dental practice purchasers and care-home operators to specialist lenders and brokers who offer commercial mortgages, practice purchase loans, refinance and development finance. We organise enquiries for loans of £10,000 and above and will match your business to providers who understand healthcare property, practice goodwill and operator cashflows.

Who this page is for

• Dentists planning to buy an existing practice or purchase freehold property
• Practice partners arranging buy-ins, buy-outs or funding goodwill and equipment
• Care-home owners/operators seeking to buy, refinance, refurbish or expand
• Healthcare property investors looking for specialist commercial finance

What types of healthcare property finance we can help you find

Commercial mortgages

Commercial mortgages are common for buying freehold or long-lease healthcare premises, refinancing an existing mortgage, or funding investment properties used for healthcare operations. Loan sizes vary widely: many lenders start at around £50,000 and can offer multi-million pound facilities for larger portfolios or experienced operators. Terms are typically from 5 up to 25 years and security is usually the property itself; depending on the lender, additional security or director guarantees may be requested.

Practice purchase loans for dentists

Practice purchase finance can cover the purchase of freehold property or the combined purchase of property, goodwill and equipment. Funding packages often separate the property element from goodwill and equipment — this helps structure tax and valuation issues. Lenders will assess the practice’s historic profits, NHS/private income mix, and the proposed structure (personal purchase vs corporate acquisition). Typical deposit expectations depend on the lender and deal size; specialist practice lenders sometimes accept lower cash deposits where the trading performance and operator experience are strong.

Care-home purchase, refinance & development finance

Care-home finance can be used for acquisitions, refurbishment to increase beds, improvement works to meet CQC requirements, or refinance to release equity for expansion. Lenders consider occupancy rates, the contract mix (private residents, local authority placements, NHS-funded beds), historic performance and operator experience. Finance types include commercial mortgages on the property, development loans (for expansion or conversion), bridging finance for quick purchases and longer-term refinance once licences and occupancy are stable.

Get Started — Free Eligibility Check — complete our short enquiry and we’ll match you to specialist healthcare lenders.

How UK Business Loans helps dentists and care homes get matched to the right lender

Our role is to make the search for the right finance quicker and more targeted. Here’s how it typically works:

1. Short enquiry form: You tell us a few details (business type, loan purpose, amount, property info, contact details). This is a quick information capture to help with matching — it is not a loan application.
2. Match to specialists: We review your details and match the enquiry to lenders or brokers experienced in dental practice finance, healthcare property or care-home funding.
3. Introductions: Selected lenders/brokers contact you directly to discuss options, carry out their checks and, if appropriate, prepare indicative terms.
4. Compare and progress: You compare offers and choose whether to progress. Lenders/brokers will handle valuations, credit checks and regulated advice as required.

Benefits: you save time, access sector specialists, and receive targeted proposals rather than generic quotes. Our service is free to use and without obligation — you decide whether to proceed with any lender introduced.

Typical eligibility criteria lenders will consider

Lenders look at a combination of property, business and operator factors. Below are the most common criteria and practical tips to improve your chances.

Business structure & trading history

Lenders usually favour limited companies, PLCs or established trading entities with audited or filed accounts. Younger businesses may still qualify via specialist lenders but will typically face tighter terms. Tip: present clear historic accounts and management accounts for the last 12–24 months.

Personal and business credit profile

Directors’ credit histories are considered for many deals. While imperfect credit doesn’t always rule you out, it can limit options and increase cost. Tip: explain any adverse items and provide supporting context (e.g., one-off issues, later remediation).

Security and deposit / loan-to-value

LTV expectations vary by lender and asset type — commercial property LTVs frequently range from 60–75% for many lenders, while specialist packages for practice purchases may be structured differently (property vs goodwill components). Tip: get an up-to-date valuation and be clear whether the purchase is freehold or leasehold.

Income, occupancy and contracts

For care homes, occupancy rates, contract lengths and payment mix (local authority vs private) are critical. For dental practices, profitability, NHS contract details and private income proportions matter. Tip: provide occupancy/contract data and recent profit & loss statements.

Experience of directors/operators

Lenders favour borrowers with relevant sector experience — particularly for care homes where operational risk is high. Less experienced buyers may be asked to use brokers or provide stronger security. Tip: include CVs of key operators and a short business plan if the purchase involves change or expansion.

Free Quote — Compare specialist lender options

Case examples

1) Dentist buys a practice

A dentist wanted to acquire a profitable practice including freehold premises and goodwill. After submitting a short enquiry we introduced them to a broker who specialises in dental acquisitions. The broker packaged the property mortgage separately from the goodwill funding and secured a competitive term mortgage with modest upfront deposit requirements. Outcome: purchase completed within 12 weeks.

2) Care-home refinance & refurbishment

An operator needed funds to refurbish bedrooms and increase CQC-compliant capacity. We matched them to a lender experienced in care-property refinance. The operator refinanced an existing mortgage to release equity and obtained a development facility for the works, staged to occupancy milestones. Outcome: increased revenue per bed after refurbishment funded from the facility.

3) Packaging goodwill vs property

A buyer purchasing a dental portfolio achieved a higher overall LTV by splitting property security and unsecured goodwill funding across different lenders introduced through our network. Outcome: lower initial cash requirement and tailored repayment terms aligned to practice cashflow.

Questions dentists & care-home owners often ask

Do you lend directly?

No. UK Business Loans does not provide loans. We introduce businesses to lenders and brokers who will provide offers and manage applications.

Will applying affect my credit score?

Submitting our enquiry form does not perform a credit check. Lenders may carry out credit searches later when they prepare formal offers — they will tell you when that happens.

How long until I get an offer?

Initial contact from brokers or lenders can be within hours during business hours. Formal offers usually take longer — often several weeks depending on valuation, due diligence and legal processes.

Can I get funding with imperfect credit or short trading history?

Possibly. Some specialist lenders consider weaker credit or shorter trading history but usually on different terms (higher cost, more security). Be upfront about circumstances so we can match you to realistic options.

How to prepare before submitting an enquiry (quick checklist)

• Latest company accounts and management accounts (12–24 months)
• Details of the property: freehold/leasehold, purchase price, lease terms or deed
• Practice CV and revenue breakdown (NHS vs private) for dental purchases
• Care-home occupancy data and contract mix
• Estimate of deposit / equity available and target loan amount
• Proof of ID and basic director information (usually requested later)

Ready to compare offers?

If you’re exploring commercial mortgages, practice purchase loans or care-home finance, the quickest way to get started is to complete our short enquiry form. We’ll use your details to match you with lenders/brokers who understand healthcare property and practice acquisitions.

Get Quote Now — Free Eligibility Check

For more background on our healthcare lending support and the kinds of products available, see our healthcare sector overview on healthcare business loans.

Further reading: industry overview — healthcare business loans

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Important: UK Business Loans is an introducer and does not provide funds or regulated financial advice. The enquiry form is for matching your business to lenders and brokers — it is not a loan application. Lenders/brokers contacted through our introductions will perform their own credit and suitability checks and will provide any regulated advice where required.

1. Can dentists get practice purchase loans through UK Business Loans?
Yes — UK Business Loans is an introducer that matches dentists to specialist lenders and brokers offering practice purchase loans for property, goodwill and equipment (from around £10,000 upward).

2. Can care-home operators obtain commercial mortgages, refinance or development finance?
Yes — we match care-home operators to lenders providing purchase, refinance, bridging and staged development finance based on occupancy, contract mix and operator experience.

3. How much can I borrow for a healthcare property or practice acquisition?
Loan sizes vary widely — many lenders start around £50,000 and can fund multi‑million‑pound commercial mortgages or portfolio finance, and we’ll match you to the right tier of lender.

4. What deposit or loan‑to‑value (LTV) should I expect for a commercial mortgage or practice purchase?
Typical LTVs for commercial property are often 60–75%, while practice purchases may be structured with separate property and goodwill packages that affect deposit requirements.

5. Will completing the enquiry form affect my personal or business credit score?
No — submitting our short enquiry does not run a credit check, though lenders or brokers may carry out credit searches later during a formal application.

6. How long does it take to receive lender contact or a formal offer?
You can expect initial contact from matched lenders or brokers within hours during business hours, with formal offers typically taking several weeks depending on valuation and due diligence.

7. Can I get finance with imperfect credit or limited trading history?
Possibly — some specialist lenders consider weaker credit or short trading histories but usually on different terms (higher cost, more security), so be upfront in your enquiry to be matched appropriately.

8. Does UK Business Loans charge for matching me to lenders or provide regulated financial advice?
No — our service is free and no‑obligation; we are an introducer and do not provide regulated financial advice, though the brokers or lenders we introduce will provide any required regulated advice and disclose fees.

9. What information and documents should I prepare before applying for healthcare property finance?
Have recent company accounts/management accounts (12–24 months), property details (freehold/leasehold, price, leases), practice or care‑home trading/occupancy info, deposit estimate, and basic ID/director details ready for lenders.

10. How do I start comparing commercial mortgage and practice purchase loan options?
Complete our short online enquiry for a free eligibility check and we’ll match your healthcare finance request to specialist lenders and brokers who can provide tailored options.