{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Care Home Finance","title":"Care Home Finance: 2026 Market Outlook | Pricing, Lenders, CQC and Funding Options","html":"","width":"100%","height":180,"duration":758,"description":"Care Home Finance: 2026 Market Outlook\nThe UK is on track to be short of nearly 277,000 modern, purpose-built care beds by 2026, and last year more than 12 billion pounds poured into UK healthcare property, the highest figure on record. In this launch episode of Care Homes Finance, host Georgina unpacks what that demand gap and wall of capital mean for anyone who owns, runs or wants to buy a care home, and lays out a full 2026 market outlook on pricing, lenders, CQC and the deals that fund the sector.\nWe explain why a trading care home is financed as an operating business, not as a building, and what going-concern value means. We walk through EBITDARM, the sector profitability measure, with the average margin recovering to around 30 percent of income (Knight Frank, 2024/25), and how occupancy at 88.7 percent (Knight Frank), the self-pay versus local-authority fee mix, and scale all feed the numbers a lender sizes a loan against.\nWe set it against the demand and supply backdrop:\nThe 85-plus population set to roughly double from 1.75 million to 3.6 million by 2049 (ONS)\nNearly 277,000 market-standard beds short by 2026 (Carterwood), with 44 percent of current capacity not purpose built (LaingBuisson)\nThe Bank of England base rate held at 3.75 percent since the December 2025 cut, the anchor for 2026 pricing\nWe then move through the deals that actually fund the sector: acquisition finance, development and extension finance, refinance and equity release, bridging, distressed and turnaround finance, and group and portfolio funding. We finish with the three lender camps, specialist healthcare lenders, challenger banks and high-street banks, and a twelve-month outlook for borrowers.\nChapters\n00:00 Cold open: the bed shortfall and the wall of capital\n00:45 Disclaimer: general market commentary, not advice\n01:10 The sector in numbers: an ageing population and rising demand\n02:05 Short of modern, purpose-built stock\n03:00 The base rate and the 2026 pricing environment\n03:45...","thumbnail_url":"https://img.transistorcdn.com/eCZY0gDU6WNFysLd7N_OebfuZnDsMqD_Zy0qUMMdpWA/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS82YTBh/ZTAyYTkyYzVjYWU1/Y2Y5Mjc4YTVjNzhi/N2YzNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}