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How long would a home’s equity fund care?
One of the first questions families ask is how far the money from the house would actually stretch. Enter a postcode and we’ll estimate how many years the equity could pay for residential or nursing care in that area — and the things, like a Deferred Payment Agreement, that often mean the home doesn’t have to be sold.
Behind the estimate
How it’s worked out
Local property values
We use recent Land Registry sold prices for the postcode where we have enough, and ONS/UK House Price Index figures elsewhere — by property type.
Your council’s care fees
Each area is matched to its adult-social-care authority and that council’s published “usual cost of care” for residential and nursing homes.
A week-by-week simulation
We run the means test — the 12-week disregard, capital limits, State Pension, Attendance Allowance and FNC — to the point where council support begins.
It’s a guide to plan around, not financial advice or a decision by any council. For the full funding picture — the means test and what you can claim — use the care funding calculator.