Paying for care
Deferred payment calculator
A deferred payment agreement lets you use the value of your home to help pay for care now, and repay later. See how it could work for you.
The basics
What is a deferred payment agreement?
A deferred payment agreement (DPA) is an arrangement with your local council that lets you delay paying for residential care using the value of your property. The council pays your care fees, and you repay them later, usually when your home is sold or from your estate.
It can mean you do not have to sell your home straight away to pay for care. The calculator above gives you a guide to the figures, and we are always happy to talk things through.
Good to know
How deferred payments work
How it works
The council pays some or all of your care fees and the amount builds up as a loan, secured against your home.
Who can qualify
Usually you need to own your home, have savings below the threshold, and be assessed as needing residential care.
Interest and fees
Councils can charge interest and an administration fee. The calculator gives you a guide to the likely costs.
Repayment
The deferred amount is repaid when the property is sold or from your estate, so there is no rush to sell your home.
This calculator gives a general guide only and is not financial or legal advice. Rules, interest rates and thresholds change, so please confirm the details with your local authority or a qualified adviser.
Talk to us about paying for care
We believe in being open and clear about costs. Get in touch and we will talk you through your options with no pressure.