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Assisted Bathing System Finance

Spread the cost of an assisted bathing system from £6,000 to £35,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a assisted bathing system?

Yes, assisted bathing systems are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £6,000 to £35,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 3–5 working days. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£6k – £35k

Approval Speed

3–5 working days

Longer where tied to a wider refurbishment

Rates From

4.5% APR

What would a assisted bathing system cost per month?

£14,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical assisted bathing system price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.9% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Owner-operators wanting to own the system outright

Finance Lease

Rate
From 4.5% APR
Term
24–72 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 5.2% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Operators leasing rather than owning their premises

Representative example

On a purchase price of £14,000: a 10% deposit of £1,400, then 48 monthly payments of £295 at 5.9% APR representative (fixed). Total amount payable £15,560, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Height-Adjustable Assisted Bath (single room class) £6,000 – £11,000 Assisted Bath
Powered Walk-In Assisted Bath (level-access class) £9,000 – £16,000 Walk-In Bath
Assisted Bathing Pod (trolley-transfer class) £14,000 – £24,000 Bathing Pod
Multi-Function Assisted Bathing Suite (shower and bath combined class) £20,000 – £35,000 Bathing Suite

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Tax benefits

An assisted bathing system is normally plumbed in and fixed to a specific room, so it is often treated as part of the building or as an integral feature for capital allowances purposes rather than as freestanding moveable plant, an accountant should confirm the correct treatment before purchase, particularly where the operator leases the premises. Where the system does qualify as plant, the Annual Investment Allowance can allow the full cost to be deducted from taxable profits in the year of purchase, up to £1,000,000, subject to the normal AIA rules. Leasing can shift the allowances position onto the finance provider rather than the operator.

Market context

Assisted bathing systems are bought by care homes and nursing homes registered with the Care Quality Commission in England, or the equivalent regulator elsewhere in the UK, and are usually installed to meet the assessed bathing and moving and handling needs of residents with limited mobility rather than as a discretionary bathroom upgrade. Because the system is plumbed into a specific room, purchase is most commonly tied to a new build or a bathroom refurbishment rather than bought as a freestanding replacement item. Replacement is driven mainly by the condition of the hoist or transfer mechanism and by plumbing and hygiene wear rather than a fixed age, and because each installation is fitted to a specific room, a used market for this equipment is very limited.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Is the plumbing and fitting work included in the finance?
Yes, most lenders finance the complete installed system, the bath or pod itself plus the plumbing, tiling and fitting work needed to install it, as a single asset rather than splitting equipment and building work into separate agreements. This reflects how these systems are actually supplied, usually by a single specialist contractor responsible for both the equipment and the installation.
Can I finance a bathing system as part of a room refurbishment?
Yes. Because an assisted bathing system is fixed into a specific room, purchase is commonly bundled with a wider refurbishment, and lenders are used to financing the bathing system either as part of a larger construction finance package or as a standalone agreement running alongside it. Discuss both options with a broker to find the right structure for the wider project.
What deposit do I need?
For hire purchase, most lenders ask for a 10-20% deposit. Finance leases and operating leases often require no deposit, which helps where the installation forms part of a wider refurbishment with several funding sources. A larger deposit reduces the monthly payment across the term. A larger deposit is worth considering if you would rather keep monthly payments as low as possible, though most buyers in this sector choose a smaller deposit to preserve working capital.
How long does approval take?
A single-room installation can often be approved within a few working days once the supplier's quote and fitting specification are confirmed. A multi-function bathing suite or an installation tied to a wider new build will usually take longer, since the finance figure depends on the wider building quote as well as the equipment itself. Having your last set of accounts and a recent bank statement ready before applying is the easiest way to avoid the process taking longer than it needs to.

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