Deferred payment

The Care Act made it a legal requirement for deferred payment agreements to be made available.

A deferred payment is a legal agreement between you and the city council. The agreement allows you to use the value of your home to help pay your care and support costs.

This amount would be repaid at a later time. You can delay repaying until you choose to sell your home, or until after your death.

Eligibility

You can make an application for a deferred payment agreement if you meet all 3 of the following criteria:

  • you have an eligible need
  • you have less than £23,250 in assets excluding the value of your home (for example, in savings and other non-housing assets)
  • your home is not disregarded from the financial assessment

Request refusal

The council may refuse a request for a deferred payment agreement, even if you meet the criteria.

This could be because:

  • the council is unable to secure a first charge on your property
  • you are seeking a top-up that is unsustainable
  • you do not agree to the terms and conditions of the deferred payment agreement

For more information, download the Deferred payment leaflet.

Page last updated: 15 October 2024

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