Toggle menu

Charging for residential and nursing care

The Deferred Payment Scheme

The Care Act 2014 requires local authorities to offer Deferred Payment Agreements to allow people to defer the sale of their home in their lifetime. The Care and Support (Deferred Payment) Regulations 2014 sets out the legal framework and local authorities' responsibilities in greater detail. 

If you want to take advantage of the scheme, you will need to agree to the council placing a legal charge on your property (this is like a mortgage). The council will loan you the money to pay your care charges. The money you borrow must be repaid when you sell your property or 90 days after your death.

There is a one-off administration charge which includes our legal costs, land search and Land Registry charges. You will be advised of this upon application.

Interest will be applied to the debt. A statement of the deferred debt and interest will be sent to you every six months or within 28 days on request.

It is an important decision for you to take, so you should talk to your family or get independent financial advice.