Guides
How care funding works in England, what families often get caught out by and why planning ahead matters.
Who pays for care home fees?
How care home fees are paid in England: the council means test, the £23,250 limit, what happens to the home and what help is available whatever your savings.
GuideWill I have to sell my house?
When the home counts towards care home fees, when it's ignored, the 12-week disregard, deferred payment agreements and why couples should look at this early.
GuideLasting power of attorney and care
What happens if a parent needs care and has lost capacity with no lasting power of attorney, deputyship through the Court of Protection, and why timing is everything.
GuideCare fees and inheritance tax
Why families with a home and savings can face care fees and inheritance tax, what changes from April 2027 with pensions, and why planning for both together matters.
GuideThe means test explained
How councils in England work out who pays for care: capital limits, tariff income, what's counted, what's ignored and the personal expenses allowance.
GuideCare fees for couples
How the means test treats couples, what happens to the home and joint savings when one partner goes into care, and why wills and ownership matter for the survivor.
GuideDeprivation of assets
What deprivation of assets means, how councils decide, why there's no 7-year rule for care fees and why planning must be done for the right reasons.
GuideNHS continuing healthcare
What NHS continuing healthcare is, who qualifies, why so few people do, and what NHS-funded nursing care contributes towards nursing home fees.
GuidePaying for care at home
How care at home is paid for in England, why the home isn't counted when you still live in it, the minimum income guarantee and planning to stay at home.
Talk to a specialist
Tell us a little about your situation and a specialist will call you back, usually within one working day. No obligation, and we know these conversations can be difficult.