Social services Paying for social care and support

Deferred payments for residential care

A deferred payment agreement is an arrangement with us that lets you use the value of your home to help pay care home costs.

If you’re eligible, we will help to pay your care home bills on your behalf. You can delay repaying us until you choose to sell your home, or until after your death.

The rules for who is eligible, and how the process works is quite complicated. When we assess your care costs, if that care includes residential care, such as a care or nursing home, we will explain how it would work for you, and what the impacts on your finances would be.  

You can read a really good explanation of the Deferred Payments scheme on the government's Money Advice Service website

You can also read our Deferred Payments policy on this website - it's more in depth, and includes examples. 

As with all payments for social care, it's often a good idea to get some independent financial advice

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