The latest funding‑rates update has been published, and once again the UK Government has frozen the capital limits for care‑fee assessments. They remain exactly the same:
£23,250 (upper limit)
£14,250 (lower limit)
This means nothing has changed for homeowners. Nothing has improved. Nothing has been reformed. The financial rules that decide whether your home is taken to pay for care are identical to last year — and the year before that.
The Prime Minister keeps repeating the same line — but never gives facts
Since taking office, the new Prime Minister has repeatedly said:
“We will fix social care.”
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Request Your Free Estate Planning ReviewBut he never explains how. He never mentions the capital limits. He never talks about protecting homeowners. He never commits to a cap. He never gives a timeline. He never provides a policy.
It’s just a line — a vague phrase designed to sound reassuring while saying absolutely nothing.
Every Prime Minister for the last 15 years has used the same tactic: promise reform, win public approval, then quietly do nothing. This new funding update — freezing the capital limits yet again — is proof that nothing is changing.
Stop waiting for empty promises
The reality is simple: If you wait for the Government to protect your home, you will be waiting forever.
Most people can legally protect their residential property, and it costs less than one month in a care home. But waiting until you need care — or until you reach 81 as a single person or 84 as a couple — is pointless. At that stage, any attempt to protect your home will be classed as deliberate deprivation.
The Government is not looking after our elderly. If you want your children to inherit what you’ve worked your whole life for, you must put the protection in place yourself. The longer you leave it, the fewer options you have.
Speak to an estate planner — get the facts
Your local estate planner will typically charge £250–£350 per hour for a face‑to‑face consultation. Honestly, it’s worth paying — the information could save your home.
But if you prefer to get the information online via video chat, Later Living Helpline can refer you to estate planners who provide this guidance free.
Speak to an estate planner for free
If you want to understand exactly what protection is available for your home, speak to an estate planner today. Later Living Helpline can connect you with specialists who provide this guidance free, via a simple online video chat. Getting the right information now could be the difference between keeping your home in the family — or losing it to care fees. Click the button below to speak to an estate planner for free and get the facts you need.
