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Elderly parents
Original poster

Paying for a care home

32 replies

MrsWobble3 · 02/05/2019 10:20

My mil has Alzheimer’s and is currently cared for at home. She is running out of money so I think we will need to move her into a care home and sell her house to pay the fees. The problem is that her house is unmortgageable so could take some time to sell. How does she pay the care home fees during this period if she has no money but has assets (the house) over £23k? She cannot borrow money as the house is not acceptable security.

OP posts:
Original poster
MrsWobble3 · 03/05/2019 08:56

Thanks everyone. We haven’t yet approached the council because we’re trying to understand what the options might be first. Mil still has money for another year or so - but apart from the Alzheimer’s she is in good physical shape so it is quite likely she will run out of funds at some point. We are keen to avoid having no choice about her care at this point. It is more complicated because sil doesn’t want to sell the family home and appears to believe that she only has to explain this to the council for them to give us access to the magic money tree!

OP posts:
MereDintofPandiculation · 03/05/2019 07:35

If she is living at home, then the value of her house isn't taken into account when calculating her contribution to care fees. So you need to talk to the Council about the level of care they are prepared to give her , that is, if you feel she is better off continuing at home for longer.

YouJustDoYou · 02/05/2019 21:48

You need to talk to you local council for proper advice.

waltzingparrot · 02/05/2019 21:42

Essex CC paid my mum's care home fees until her house was sold and then she paid them back.

7to25 · 02/05/2019 21:32

Could you sell at auction?
Buyers there are used to unmortgageable properties and turnover time is shorter

wigglypiggly · 02/05/2019 17:00

Ask her council about deferred payments.

H0tterthanecpected · 02/05/2019 14:25

Suggest you would need to get 3 or more estate agents to value the property
Property developers may be interested in buying it, to knock down and rebuild
You could also sell via property auctions
I've seen a few unmortgagable properties advertised, they normally state why he concrete construction, house boat, wood etc