Funding Care

We are a modern Home Care

We recognise that it can be a challenge to accept help at home, but having someone around can maintain your independence. Live-in care is often more cost effective than people imagine, especially if a high level of support is required. It also offers increased flexibility as the daily routine is built around you rather than the time a pop in carer is able to attend.

There may be some financial assistance available to help with the cost. Attendance Allowance is available to anyone over the age of 65 who requires help with personal care; it is not means tested and is tax free. NHS Continuing Care Team can finance care if the needs meet the criteria. For further information on funding your care, please click the following links:

Private Funding

If you require comprehensive personal care services over a longer period of time, you should get a care needs assessment from your local authority to see if you are entitled to funding. If you are not entitled to claim from the local authority, or if the local authority can only fund a limited amount of your care, there are several options to consider. In certain cases where continuing care is appropriate, NHS funding may cover the cost.

For many people, their main asset is usually the family home, and with the receipt of pensions, benefits and other income, it is often the case that you can save money by having care services at home instead of the last resort of going into residential care, as payment for residential services is assessed differently.

Many different financing schemes are available to fund your care and nursing; each scheme needs to be tailored to your specific financial circumstances and you should take proper independent advice, ideally from a SOLLA qualified advisor.

Inheritance Tax Planning

Inheritance Tax mitigation can be an important area of financial planning in general and can be used in conjunction with care fees planning. This could reduce the amount of tax your estate may ultimately be liable for if your home and other assets are worth more than the threshold limit. Any assets above this amount will be subject to inheritance tax. Your children and future beneficiaries of your estate should be included in any discussions and legal arrangements on care funding.

Care Fees Annuities

Another option to look at is an Immediate Needs Annuity also known as a Care Fees Annuity. These annuities are designed to provide a guaranteed regular and tax-free income to meet the cost of care by paying a one-off lump sum to purchase the plan.

The lump sum will depend on the following:

  • Your age
  • Your medical history and current health
  • The amount of income required to cover the short fall in funding the care fees

It is important that the payments are made directly to a registered care provider as they will normally be tax-free, thereby increasing the amount or standard of care available to you. This is paid for the rest of your life. If you receive the annuity payment directly, it can be subject to tax, even if you use it to pay for care.

The cost of care has been increasing as a result of inflation. You can protect against inflation by requesting a plan that provides for an increasing income.

Care fees annuities can be structured to protect a proportion of the initial capital outlay although this usually comes at additional cost.

We promised to take care… and delivered

  • I don’t think that I will ever be able to find the words to express my deep gratitude to you for all that you have done for me and continue to do. You are, quite literally, my lifesaver.
    Monowara Begum
  • I cannot thank you enough for your understanding and support through some difficult times. It is refreshing to work with someone who provides the utmost in professionalism and kindness.
    Abdul Haque
  • Team of professionals have helped us to improve many aspects of our life, social life included. The personal assistent works hard, we do not need to follow her around, she knows what to do.
    John Williams


Our team of experts are a family that is full of compassion, understanding, and most importantly is dedicated to improving the health and wellbeing of every client.

Shoeb Tanu


Razaur Rahman Oli

Registered Manager

Rahena Begum

Quality Control Manager

Salema Khatun

Care Coordinator Manager

Muhammad Tarek

Senior Care Coordinator

Asia Khatun

Care Coordinator


Care Coordinator

Rahma Ali

Care Coordinator

Sabina Begum

Field Care Supervisor

Sahjahan Sattar

Field Care Supervisor

Ruji Islam

Field Care Supervisor

Abu Bakar

Field Care Supervisor

Nurun Naher

HR Manager

Arif Ahmed

HR and Accounts Officer

Sajida Sultana

Audit Officer

Md Saifullah

Admin Support

Nure Jannat

Administrative Apprenticeship