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Heping you understand how to afford and pay for help or care.

FirstStop Finance Advice

FirstStop firmly believes that financial security is an essential ingredient in providing older people with a sense of well-being. And, in later life finances may need special attention. For this reason, FirstStop has carefully chosen a number of providers of financial advice who specialise in the areas which are most likely to affect older people at some time in their retirement.

Paying for Care in Your Own Home

Paying for Care in a Care Home

Releasing Capital from Your Home (equity release)

Other Financial Advice


Care in your own home

If you have been assessed as needing care in your own home (see needs assessment), the local authority may arrange and provide it for you, or you can arrange your own care independently.

Read about paying for care in your own home

Care in a care home

If you have been assessed as needing care in a care home (see needs assessment), the local authority may help you to find a home that can meet your assessed needs but you will usually be expected to find and choose a suitable home yourself.

Read about paying for care in a care home

If you have to self-fund your care you could still be entitled to some support from the state and might find help in arranging your finances beneficial. FirstStop Advice has selected a panel of Care Fees Advisers who specialise in this and can help you fully understand your entitlements from the state and the specially designed financial products or your other options for meeting care costs.

Request written, personal funding advice from FirstStop

State Benefits

Pension Credit is available to all older people on a low income, and Winter Fuel Payments provide a small but useful addition. Attendance Allowance and Disability Living Allowance can supplement the income of older people who need to pay for care, whether they live at home or in a care home; these are not means tested. Carers’ Allowance can supplement the income of someone who looks after you.

Read about state benefits

Releasing capital from your home

The equity in a property is the difference between its value and any mortgage or other debts held against it. Equity release is the term given to unlocking or making available some, or all of this value in your home whilst continuing to live in it. You may wish to consider this to help with the cost of care, home adaptations or improvements or any other personal reason.

Find out more about equity release

Other financial advice

Retirement can often mean significant changes in lifestyle which bring with them financial demands or changes which may involve seeking financial advice. Here FirstStop Advice has collated a number of areas where such advice might be sought and providing links to the Financial Services Authority (FSA) Website ‘Money Made Clear’.

Read more about general financial advice

Handling another person's finances

If you need to manage someone else's affairs because they lack capacity to do so themselves, the Mental Capacity Act 2005 for England and Wales sets out who can act on their behalf, and when and under what circumstances they can do so.

Read about handling another person’s finances

FirstStop expands range of free publications

Several new Guides have been added recently to the list of publications available from EAC FirstStop Advi...

FirstStop promotes Home Improvement Agencies
FirstStop promotes Home Improvement Agencies

EAC's new Services Directory offers HIAs a unique opportunity to promote their services through its websi...


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Helping you get the help or care you need.
Helping you choose appropriate housing or care homes.
Helping you decide how best to pay for help or care.
Helping you get what you are entitled to.