Everything You Need to Know About Paying for Care

Navigating the costs of care can feel like one of the biggest hurdles when you're just starting out. Whether you're planning for yourself or wondering how to afford care for your loved ones, it’s completely normal to feel unsure where to begin.

The good news? There are clear funding options out there—both private and state-funded—and with the right information, the whole process can be easier and more manageable than you might think.

State-Funded Care

If your assets fall below a certain threshold (currently £23,250 in England & £20,250 in Scotland), your local council may help cover some or all of the cost. They’ll assess your financial and care needs to decide what support you’re entitled to.

Privately Funded Care

You or your family pay the full cost of care using savings, pensions, or property. This gives you more freedom of choice, but it’s important to plan ahead.

What Help is Available?

  • After a financial assessment, the council may contribute to your care costs. If you’re eligible, they’ll help you find affordable care homes for your needs.

  • If your needs are primarily medical, you might qualify for care that’s fully funded by the NHS. This is more common in complex or long-term health situations.

  • These are benefits for people over State Pension age or those with a disability. They’re not means-tested and can help cover additional care-related expenses.

  • If you own a home but don’t want to sell it immediately, the council may pay your fees and reclaim the costs later. This can give families breathing space.

  • When looking at how to afford a care home, equity release and other tools like care fee annuities might help. A specialist adviser can explain how these work and whether they suit your situation.

Support Services

Would you like to speak to someone?

We’re here to help. Reach out to our welcoming team to talk through your options and receive tailored advice to suit your individual needs. Whether you’d like to book a visit or simply open a conversation, trust us to listen, support and guide you every step of the way.