Costs of live-in care
We offer different levels of live-in care based on your individual needs.
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Costs of our live-in care services
We know that, when looking at live-in care as an option for yourself or a loved one, the cost of care is a significant factor. That’s why we have always been transparent about the costs of live-in care.
Our trained care workers can support those with a variety of needs. As a result, costs of live-in care vary depending on your specific needs and the level of support you require.
Care for couples
We also provide a live-in care for couples service which supports couples in their own homes from £165 per day. This makes the cost of live in care cheaper than if a couple were to move into a care home, where they would be charged for two rooms. It also means partners don’t need to be separated, and can stay together in their home while receiving the level of care they need.
Respite care
Our excellent respite care service means carers (who are often family members) can take a short break. Lasting from seven days to several weeks, it helps minimise disruption to a home routine and lifestyle. This gives carers peace of mind, knowing their family member is well cared for while they take a break from their caring responsibilities.
Specialist care
Our holistic high-quality and person-centred approach to care has earned us an excellent reputation. You have full control and choice over your care so it fits around your chosen lifestyle, likes and dislikes.
- Dementia care
- Multiple Sclerosis (MS)
- Palliative care
- Parkinson’s Disease
- Stroke care
- Younger adult care
The cost of live-in care is determined based on an individual assessment of your needs and differ if you require specialist support.
Costs of live-in care
There are various ways to meet the costs of care. Below we have summarised how care is often financed. Alternatively, you may be eligible for funding.
Savings and investments
You may have sufficient savings or enough income from pensions and investments to pay for the costs of live-in care. You may also wish to speak to a financial advisor to discuss improving the income you receive from your savings and investments to help pay more of the costs.
Equity release – lifetime mortgages and home reversion plans
Equity release can either be through a lifetime mortgage or a home reversion plan.
- Lifetime mortgages
Lifetime mortgages are special types of loans, usually designed to run for the rest of your life. You continue to own your own home, and borrow money secured against its value to give you a lump sum now or a regular income. You don’t make mortgage repayments to the lender – the loan and accrued interest is repaid to the lender when you die or you move into a residential care home.
- Home reversion plans
Home reversion plans involve the sale of all or part of your home to a reversion company in return for a cash sum or regular income and the right to live rent-free in your home for the rest of your life. After you die, the house is sold and the value of the proportion of your home that you have sold is paid to the reversion company.
Financial advice disclaimer
The information above summarises how care is often financed. Agincare is not authorised to provide investment or other financial advice and nothing on this page should be construed as such. We recommend you obtain independent financial advice from an adviser registered with the Financial Services Authority.
Cost of fully managed service vs care agencies
What makes our care unique is that we fully manage it.
Unlike with a care agency, which simply puts you in touch with a self-employed care worker, we have a duty of care to you. We employ and pay all of our care team and arrange for cover should they fall ill or need time away.
We also guarantee that they are fully trained and perfectly matched to your needs and requirements.
For a price comparable to that of a care agency, you benefit from our fully inclusive service. This includes:
- A fully trained care worker
- One to one care in your own home.
- A person-centered care plan and risk assessment
- A dedicated Care Co-Ordinator to manage your care.
- A 24/7 on call emergency line
- Holiday and sickness cover for your care worker
- Regulated by the Care Quality Commission
The exact costs of care is determined following a free, no-obligation care assessment of your individual needs.
Care at home vs care homes
Our live-in care service costs start from £150 per day depending on the level of support required.
While a care home may appear cheaper, with fees from £950 per week, this type of care doesn’t offer the level of one-to-one support that live-in care does; nor does it allow you to remain in your own home.
With care at home, you also have the peace of mind that the fee will not change unless there is a significant change in your care needs.
For the additional price, you receive continuous support from a care worker that lives with you. What’s more, by welcoming a care worker into your home, you can continue to live life at your pace and to your schedule. This means that you can eat when you want, enjoy your usual activities and have friends and family close by and visit any time.
You will still have the cost of maintaining your house, but you have the advantage of being in familiar surroundings.
Affordable care for couples
Our live-in care for couples is cheaper than a care home, with prices starting at just £1450 per week. This is more cost effective than living in a care home, where you would be charged for two rooms.
Receiving care at home also means that, as a couple, you will not be separated regardless of varying care needs.
Cost of 24-hour care vs home care
Domiciliary care at home is when a care worker visits you in your home at set times throughout the week. The amount of visits can vary based on care needs with many people receiving one or multiple visits a day.
Home care is charged at an hourly rate and prices can vary considerably based on the level and frequency of the support required.
For those needing more consistent support, 24-hour care may be a cheaper and more beneficial option. For a lower price, you receive consistent, one-to-one support 7 days a week.
Both offer care at home however, with live-in care, you have the reassurance that support is on-hand whenever you need it.
What’s more, unlike domiciliary care which bases its fees on your current care requirements, with 24-hour care you receive a weekly rate that will not change unless there is a significant change in your needs.
Is funding available to help meet the costs of live-in care?
Funding may be available from the NHS or your local council to meet all or some of the cost. State assistance for care is means-tested through a financial assessment by your local authority, taking into account the value of your property, savings and other assets (your capital).
What is companionship care?
Companionship care suits people looking mainly for companionship, but can also include help with simpler aspects of care and day-to-day living.
What is personal care?
Personal care is suitable for people who need slightly more help, such as catheter care, or those who may have a specific care need, such as Parkinson’s, reduced mobility or dementia.
What is complex care?
Complex care is for people needing high levels of care to help with severe stages of neurological disorders or physical incapacity. People who receive complex care from us may need hoisting or may display some challenging behaviours.
Do you provide care for couples?
Our care for couples service can support couples in their own homes from £1450 per week. This makes live-in care more cost-effective than a couple moving to a care home where they would be charged for two rooms. It also means partners don’t need to be separated, so they can stay together in their home and continue to enjoy their daily lives while receiving the level of care they need.
How much does live-in care cost?
Our live-in care services cost start from £150 per day, depending on the level of need. The exact cost of care is based on a free, no-obligation assessment of your care needs.
How does live-in care save me money?
The cost of live-in care is slightly higher than a care home. However, the advantage is that you can remain in your own home, meaning there will be no forced sale of your property and the value can increase and equity released if appropriate.
Additionally, our premium service comes with no additional fees and a premium service which supports you to remain active in your local community, visiting friends, family and neighbours.
