Franbern
Best to use an agency. If you are employing a cleaner direct, then remember - you are doing just that - employing. So, you need to ensure that either they are registered as self-employed - the best way - or else you have all the responsibility as their employer including holiday and sick pay, etc.
I think that it would be good and possibly helpful to many if the 'etc' in your post were spelled out.
My understanding is that the 'etc' include insurance in case of the employee being injured during employment, the obligation of the employer in respect of National Insurance, reporting the payments of money to Her Majesty's Revenue and Customs. Are there any more?
My understanding is that if A pays B money to do work then if B is registered as a business (including self-employed) then the onus for all the legal compliance is for B to do, otherwise the onus is on A who is regarded as the employer.
There may possibly be some special arrangement if it is for ONLY personal care for oneself, I saw something about that, but not the details, but it does not extend to cleaning the house or gardening.
I would NEVER pay anyone to do work for me if that would put me in the position of being an employer as that would immediately put legal obligations on me that I am not going to put myself in the position of having..
I am not a lawyer and so this needs checking, but another thing to consider is the position if the person doing the work has an accident while in your home or garden while working.