Advice on care
Impartial Care Fee Advisers

Advice on care

Experts in paying for care

Paying for Care Homes

Putting any parent or relative into a care can prove very expensive. Indeed with care home fees costing anything between £750 - £1000 per week paying for care can cost a family a staggering £39,000- £52,000 per year! Discover for yourself just how much this could amount to over the course of any stay by using our simple care fees calculator.

Care Fees Planning

Paying for care homes is a nightmare made even worse by the complexity of the rules for state funding, especially who can be entitled to free NHS Continuing Healthcare. This is compounded by the very limited information local authorities provide, especially if, you are deemed to have to pay for your own care, just because your capital exceeds £23,250 (England) £24,000 (Wales) £26,250 (Scotland) – (2016/17). When you then add into all this the uncertainty of not knowing just how long care will be required for, it can cause tremendous anxiety -especially if you don’t want to have to move your parent just because money runs out. That’s why professional care fees advice and planning is priceless. Unfortunately nearly 1in 4 people who fund their own care run out of money because they don’t consider all of their options or take proper advice at the outset* *Source: LGIU Independent Ageing Report 2013

However with proper care fees planning this needn’t be the case. This is where we can really make a difference- by providing you with professional care fees advice - helping you to understand all your funding options and to claim everything you are entitled to, we can make paying for a care home much easier.

Professional Advice on paying for care homes

Here at Advice on Care we are regularly helping families pay for care homes and fully appreciate the dilemma you face over funding care fees and will use our knowledge and experience to help you look at all of your options for paying for care homes, including :-

  • Paying from savings/capital on a pay as you go basis.
  • Investing to produce income in the hope that you might get better returns than from simply keeping money on deposit, but greater risk.

The value of investments and the income they produce can fall as well as rise .You may get back less than you invested.

  • Care Fee Annuities (or care home annuities /care fee funding plans) (web developers please make this a hyperlink to the care fees annuity page) - which provide a guaranteed indefinite income, which can also be arranged to increase each year, to help meet the expected increases in care fees.
  • Renting your Home to provide additional income to help meet fees although on its own, this doesn’t normally fully fund any shortfall in fees, so would normally have to be used in conjunction with one or more of these other methods.
  • Deferred Payment Schemes (but only if other non-property capital is less than £23,250 (England), £24,000 (Wales) £26,250 (Scotland) –(2016/17)
  • Or indeed a combination of all of these.

We will then help construct a personalised, robust and individual care fees plan that not only aims to ensure continuity of care no matter how long its required, but also caps the cost of paying for care and ensures your parent or relative doesn’t have to worry about paying for their nursing home.

So if you would like to discuss your options for paying for care, why not call Advice on Care – the paying for care specialist today on 01476 589 567 when we will be pleased to help.

Request a Personal Care Fees Consultation

Don't jeopardize your parent's care. Minimise the cost and ensure it can continue to be received indefinitely. Book your appointment today and receive invaluable advice on claiming benefits and all options for paying for care.

Our specialist and highly qualified advisers can help save you considerable sums of money.


Contact us

Head Office Address:
Advice on Care
267 Barrowby Road, Grantham, Lincolnshire, NG31 8NR

Southern Regional Office Address:
Advice on Care
Abbey House, 1650 Arlington Business Park, Theale, Reading, Berks, RG7 4SA

Telephone: 01476 589 567



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The information contained in this web site is for general information only and is not financial, investment or tax advice. It is also subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. If you would like to discuss a particular issue or generally ask us how we can advise on your particular situation then please contact us.

Advice on Care is a trading style of Keith Hargraves who is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA register ( under reference 440703 and 440718.

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