How We Secured Specialist Finance for a Children’s Care Home

At Always Wright Mortgages, we specialise in securing finance for complex opportunities that require more than a standard mortgage approach. This case demonstrates how our specialist knowledge helped a client secure funding for a children’s care home where traditional lenders struggled.

The Problem

Our client needed finance to acquire a property that would operate as a children’s care home.

The property was not purpose-built. It was a renovated residential property that had received the required permissions and changes of use from the local council to operate as a specialist care facility.

The challenge was that lenders view different care models differently. A purpose-built care home, adult care facility and under-18s supported living property are all separate lending propositions with different risks and criteria.

The client needed a lender who understood the business behind the property, not just the bricks and mortar.

The Challenge

Finding the right lender was the key obstacle.

Many lenders were unable to support the application because the property did not fit standard criteria. The lender needed confidence in:

* The care model being delivered

* The property suitability

* The directors’ experience

* The company business plan

* Financial forecasts

* Accounts and deposit evidence

This was not a simple property transaction—it required specialist lending knowledge and a clear understanding of how the business would operate.

The Solution & How We Achieved Funding

Using our expertise and relationships with specialist lenders, we identified a lender with experience in funding care-related businesses.

We presented the opportunity by highlighting:

 Directors’ experience and CVs

 Business plan and growth strategy

 Financial information and forecasts

 Proof and source of deposit

 Property permissions and intended use

By matching the client with the right lender and presenting the deal correctly, we secured funding based on the strength of the overall business proposition.

Specialist Finance Requires Specialist Knowledge

This case highlights why complex finance requires more than simply finding a mortgage product.

At Always Wright Mortgages, we help investors and business owners secure funding for opportunities that fall outside traditional lending criteria.

From care homes and hotels to commercial investments and developments, we understand how to structure complex deals and connect clients with lenders who understand their vision.

Kings of Complex Property Finance — solving funding challenges others cannot.

Tap in and Get Funded.

Www.alwayswrightmortgages.co.uk