Gransnet forums

Legal, pensions and money

Can I safeguard my house if I have to go into a home?

(11 Posts)
M0nica Fri 25-Aug-17 11:51:51

Very probably.

Blinko Fri 25-Aug-17 09:40:30

of course...drat!

Blinko Fri 25-Aug-17 09:40:12

Sound advice, M0nica. Except or course the solicitor might be a 'her'... grin

M0nica Fri 25-Aug-17 08:22:53

Reported

PremierChoiceAZ Fri 25-Aug-17 03:48:53

Message deleted by Gransnet. Here's a link to our Talk Guidelines.

Deedaa Sat 05-Aug-17 21:35:54

Thanks everyone I'll see what AgeUK say smile

Oriel Sat 05-Aug-17 15:31:27

If you go to the AgeUK website you can email a question free of charge.

It may be that it would be considered depravation of assets.

Let us know what you find out.

M0nica Sat 05-Aug-17 14:53:33

There is only one way to find out and that is to consult a solicitor who specialises in this kind of work. Any large local firm of solicitors will have such a solicitor, but check.

There are so many snake oil salesmen out there, masquerading as legal experts wanting to sell you a scheme that will save your house from being sold when you go into care. None of them work. Use a good solicitor.

Also do bear in mind that if you do succeed in protecting your house from being sold to fund your care, you put yourselves in the hands of Social Services, whose first option will be to keep you at home for as long as possible, regardless of your preferences and if care is inevitable, because the sum they pay for social care is so low, you will end in a residential or nursing home at the bottom end of the market with all that implies. They will also put a lot of emotional and other pressure on your son to contribute to the cost of your care.

See a good expert solicitor and discuss the pros and cons with him.

grannyticktock Sat 05-Aug-17 14:41:56

I am pretty sure that once they've lived there for a certain amount of time, it wouldn't have to be sold. This arose when friends of mine moved into an elderly father's house to care for him, and when he eventually moved into a care home, the house was safe.

But yes, do check this out. I know that simply making the house over to family members isn't enough - they have to be dependents or living in the house, or both, for a certain minimum time.

GrandmaMoira Sat 05-Aug-17 14:20:34

I don't know, but you obviously need legal advice on this. If you only have one DS, you could make the house over to him, but this is not advisable.

Deedaa Fri 04-Aug-17 22:19:14

At the moment it seems likely that DH will die before me, leaving me with our 3 bedroom house. The most likely scenario is that DS will move in with his girlfriend and little boy - which solves a lot of problems all round. I am worried though about what would happen if I had to go into a home? Would they have any right to continue living in the house ?