Deferred payment scheme
The deferred payment scheme is where you can arrange with the Council to use the value of your property towards your long-term care home costs. You will pay what you can afford from your weekly income, and the Council will pay the difference for you as a loan. The loan will be repaid from the value of your property when it is sold, or after your death.
View the deferred payment scheme fact sheet
You may be able to have deferred payments if:
- you're receiving permanent care in a care home or a supported living home
- you own or have part ownership of property/properties
- you have savings and investments which total less than £23,250, not including the value of your home
When you decide to move into residential care you will be asked to help us carry out an assessment of your finances. If you are eligible for a deferred payment we will offer it to you when this assessment has been completed.
We strongly recommend that you seek independent financial advice before you take up the deferred payment scheme.