In case it helps I chose not to relocate my elderly mother when we moved her from her old flat because:
- I dont think, having moved away on retirement, she would want to move back to London. Cities with their busyness and fears of safety, can give older people a lower quality of life. My personal impression, gained over the past few months, is that people have more time and are more tolerant to older people where she lives now.
- she was never a "gran" type grandmother. My father was different. When the children were younger my mother was more focussed on her interests (golf, cruises, bridge etc) and so did not invest much in a relationship with the grandchildren.
- existing social links, including church. She no longer drives but has some good and kind friends who take her out. This enables her to feel as if nothing too much has changed, even if her memory is not what it was.
- cost.
- the range and choice of provision. We are already at the "extra-sheltered" stage with carers coming in. One day I will need to move her to a care home. The choice in a traditional retirement town is amazing. GPs, pharmacies etc are all geared up to having a high proportion of elderly patients.
- accessibility. I can get to where she is by train or motorway fairly easily. Though tiring, I can do the round trip, say for a hospital appointment, in a day.
- her illness. Dementia is hard. Mood swings, accusations, constant repeated questions etc. The good thing is that she is happy. Though I assume she would notice if she did not receive visitors, she does not remember individual visits. She confuses me with her sister, and I don't think she really recognised my son when he last went down. The value gained from the move against the disruption to her life and the resulting confusion, means it was better not to relocate her. Also, being honest, having her close and social dependent on us, and us alone, would be difficult.
In terms of relocation to a higher cost area, it is important not just to consider the capital values of property, but also care costs. The service charge in sheltered accommodation can be quite high and the cost of having someone in daily to prompt for medication or help with other day-to-day living mounts up. These costs will only grow as independent living becomes more difficult.
Though flats in sheltered accommodation have a resale value, they have restrictive covenants and can be quite hard to sell. If the local housing market is flat, people may want to downsize, but often cannot do so till they sell their family home. So when a care home is needed, there is a danger that the equity is stuck in a hard-to-sell flat with a high service charge. Fine if you can afford to sell at a loss, but not if you had to use the bulk of the equity from the main home to purchase in a higher cost area.
I dont know where you stand if you need to access social-rent sheltered housing. Wait lists will vary from area to area, but the general rule for housing is that the more expensive the area, the longer the wait list.