What is equity release and how does it work?
Equity release can allow you to use your home to generate income – but it comes with risks. Find out more.
You may be entitled to free disability equipment or small adaptations from your local council. For larger adaptations, you may be entitled to a Disabled Facilities Grant, which would help you pay for these adaptations.
First, you should get a care needs assessment from your local council. You can get these free of charge and you're entitled to one regardless of your income and savings.
You just need your postcode to get started.
Your local council will send a social care professional to come to see you to find out how you're managing everyday tasks and assess your needs. They'll then advise on what support you need, including equipment and home adaptations that would make things easier for you. If you're considered 'eligible', the council has a duty to help you.
Following your care needs assessment, if the council recommend minor adaptations to your home costing £1,000 or less – such as installing grab rails, a dropped curb or outside lights – these will be provided and fitted free of charge.
Specialist disability equipment that they recommend will also be provided for free – for example, a hoist to help you get in and out of bed.
For help with the cost of larger adaptations, you may qualify for a Disabled Facilities Grant. This can be used to cover a wide range of adaptations, such as a stairlift or a walk-in shower.
Disabled Facilities Grants are means-tested and there's usually an upper limit on the amount you can get. You can apply for a Disabled Facilities Grant even if the council decides you don't have eligible care needs, because they're based on separate criteria.
Disabled Facilities Grants are administered and paid by your local council’s housing department and can only be used for work that your local council has assessed you as needing.
You can get a Disabled Facilities Grant whether you own or rent your property, but tenants usually need their landlord's permission to carry out the adaptations.
Social landlords (council or housing association landlords) will sometimes pay for adaptations themselves, but you can still apply for a Disabled Facilities Grant and you should be treated the same as other applicants.
Foundations, the national body for Home Improvement Agencies (HIAs), provides a Disabled Facilities Grant eligibility self-assessment tool called 'Adapt My Home'. This includes a calculator to work out how much you may need to contribute to a Disabled Facilities Grant.
If you're not entitled to help with the cost of equipment or adaptations from your council, you may still be entitled to other sources of financial help.
Make sure that you're claiming any benefits you're entitled to. Many people who need help with care will qualify for a disability benefit – either Personal Independence Payment (PIP) or Attendance Allowance depending on your age. Neither benefit is means-tested so your income and savings won’t be taken into account.
Do you know what benefits you're entitled to? Our online benefits calculator can help you quickly and easily find out what you could be claiming.
You may be able to access a charitable grant to help pay for equipment or adaptations. You can search for charitable grants on the Turn2Us website.
Find out more and search for grants on the Turn2Us website
Equity release is a way of releasing some spare cash to fund home adaptations. You borrow money against the value of your home but pay nothing back until after your home is sold – either after your death or when you go into long-term care. Alternatively, you can raise money by selling all or part of your home, but continue to live in it until you die or go into long-term care.
Equity release is a big decision – you should consider all your options and get specialist financial and legal advice before deciding.
We offer support through our free advice line on 0800 678 1602. Lines are open 8am-7pm, 365 days a year. We also have specialist advisers at over 120 local Age UKs.
Equity release can allow you to use your home to generate income – but it comes with risks. Find out more.
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