Financing for care properties

Most banks wave it away. I know the ones that finance.

Financing a care apartment is harder than a normal flat — not because the investment is poor, but because many banks won’t lend on the special property or don’t know the concept. This is exactly where my added value lies: I compare over 500 banks at once and find the ones that actually finance care properties — on sensible terms. Bank-independent, personal, free.

Check financing for free Why it gets stuck

Why the financing often fails on the bank — not the buyer

A care apartment is part-ownership in an operator property and thus counts as a special property. In practice this leads to typical hurdles:

House banks don’t know the model. Many advisers have never dealt with care apartments and decline as a precaution.
Lower loan-to-value. Banks often set the lending value at only 60 to 70 per cent and demand correspondingly more equity (frequently 20 to 40 per cent plus incidental costs).
Interest surcharge for let properties. Compared with an owner-occupied property, many banks calculate a surcharge.
Regional limit. Regional banks often finance only properties in their own business area — or only if you provide another property as security.
Operator check. Reputable banks additionally examine the operator’s credit standing and the economics of the lease.

My approach: I am tied to no bank and know the institutions that finance care apartments routinely — often regional banks near the facility that understand the concept. Instead of a single house-bank opinion, I extract the right one from over 500 banks. If a provider offers you their own financing via two or three partner banks, the independent comparison almost always pays off — and it is free for you.

Your routes to financing

With equity

With 20–40 % equity plus incidental costs, I finance the apartment at the right bank — with a clean repayment plan matched to your holding period.

With another property as security

If you have an unencumbered property, that opens additional scope — up to full financing of the care apartment.

Check KfW funding

Depending on the property’s energy standard, KfW funding may be an option. I check that on a property-specific basis.

You don’t have a property yet? The selection, examination and brokerage of the care apartment itself is handled by our sister company AUP Finanzservice (investment, §34c) — including an honest risk and operator check. I then take care of the financing. A clean split: AUP the property, me the bank.

Frequently asked questions

Why do many banks decline to finance a care apartment?

A care apartment is part-ownership in an operator property — a special property. Many house banks don’t know the model in detail or assess the resale value cautiously. Regional banks often finance only in their own area. So the financing frequently fails not on the buyer, but on the wrong bank.

How much equity do I need?

For care apartments, banks often set a lower lending limit (frequently 60 to 70 per cent) and expect 20 to 40 per cent equity plus incidental costs. With very strong credit standing, considerably less is possible in individual cases. I check what is realistic in your case.

Can I finance without additional security?

Banks often require another property as security. Anyone wanting the highest possible loan-to-value on the apartment itself needs either good credit standing or the right bank. If you already have another unencumbered property, that opens additional routes up to full financing.

What does your advice cost me?

Nothing. Advice, bank comparison and the financing enquiry are free. The commission is paid by the financing bank.

Your care property — financed for free and independently

Message me on WhatsApp or book a 30-minute call. The initial consultation is free.