The Conversation No One Wants to Have Could Save Your Inheritance and Honour Your Loved One’s Wishes

Every year in the UK, more than 70,000 elderly people lose their homes to cover the cost of care fees. These are homes that were meant to stay in the family—homes they worked their whole lives to pay for.

Most people assume that care for illnesses like dementia, Parkinson’s, or Alzheimer’s is covered by the NHS. But it isn’t.

When the time comes, it’s often too late to act.

That’s why this conversation matters—and why it needs to happen now.

Care Isn’t Free—And It Could Cost Everything

Later-life care costs often exceed £1,000 per week, and in England, anyone with assets over £23,250 (including the value of their home) must pay for their care in full.

Without proper estate planning in place, the local council can force the sale of your loved one’s home to cover these costs.

Meanwhile, non-homeowners receiving the exact same care get it for free.

Most Families Don’t Realise This—Until It’s Too Late

Once someone is diagnosed with an illness such as dementia, it’s often classed as “deliberate deprivation” if they try to move assets to avoid care fees. This means their efforts to protect the home can be legally ignored.

That’s why protection must be put in place early—while they are still well, independent, and happy.

What Can Be Done?

There are proven estate planning tools that can help protect your parents’ or relatives’ home from care fees, including:

Lasting Power of Attorney (LPA) – allows someone they trust to make health and financial decisions
Tenants in Common – protects part of the property from being lost if one person goes into care
Living Trusts – can remove the home from the financial means test if set up correctly and in time

These solutions don’t just protect property—they make sure your loved one’s wishes are honoured.

Why This Is Your Conversation to Start

If you’re in your 40s, or 50s, you may not need these services yet—but your parents might.

They may not realise how vulnerable their estate is. They may assume they’ll never need care—or that you’ll be able to care for them yourself.

But care needs can come suddenly, and without the right plans in place, the council will take control:

They will choose the care home
They will take over their finances
They can even sell the family home to pay for care

Speak to Your Parents or Elderly Relatives Today

This isn’t about scaring anyone. It’s about giving your loved ones the chance to make informed decisions while they still can.

You don’t need to have all the answers. But you can encourage them to speak to someone who does.

Estate planning advice is free of charge and can be done online via secure video call—
meaning you can be present for the conversation, even if you live far away.

Want to Know if Your Parents Could Lose Their Home to Care Fees?

We’ve created a free tool to help families find out if their elderly relatives would be classed as self-funders—and how much care could actually cost them.

By answering a few quick questions we’ll send you:

The estimated value of their home using Zoopla
The current cost of care in their area
How long it could take before their entire estate is gone
Whether or not their home can still be protected

We won’t contact your parents.
We won’t share their details.
This is just for you—to help you make an informed decision before it’s too late.

It’s completely free, takes 2 minutes, and could protect your family’s future.