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Deferred Payments Agreement policy

From 1 April 2015, when the Care Act 2014 was introduced,  all local authorities in England are required to offer deferred payment agreements to eligible people as one option for paying for care home costs.

A deferred payment agreement is an arrangement with the Council which enables people to use the value of their home as security  for a loan from the Council  to help pay care costs.  Conditions apply and the person will have to sign an agreement with the Council. A copy of the agreement is appended to policy. 

The loan has to be repaid but people can delay repayment until they are ready to sell their home or until after their  death.  

Deferred payment agreements are just one option for paying for care costs. We recommend that people seek independent financial advice about the various options for paying for care. Visit  to find an accredited adviser.

The Council has commissioned the Care Advice Line  to provide an information and advice service about care and support and how to pay for it.  Advice is provided by telephone and is free, confidential and personalised. 

Download the policy

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