Why live-in care is a real alternative to a care home

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England’s population is ageing. In the next 25 years, the number of people over the age of 85 will double to 2.6 million.

In many ways this is something to celebrate. However, as people age the risk of developing illnesses and becoming frail increases, leading to greater need for health and social care.

Live-in Care, compared to a Care Home, allows people to maximize their quality of life, often for a similar cost to a nursing home, or less if a couple is being cared for.

The majority of people don’t plan for care and when loved ones require full time care it’s generally needed urgently and unexpectedly. Typically, it’s where a parent or relative’s declining health reaches a ‘tipping point’, or perhaps there’s a family emergency, the illness of a family carer, a fall or a hospital visit.

Desperate families often have no idea who to turn to for help, or where to go for quality information about care choices. They are often suddenly at crisis point and have to drop everything to start researching full time care. It can be an emotive and stressful time for all concerned.

The default care option tends to be residential or nursing homes, although unsurprisingly 97 per cent of people DON’T want to move into institutional care if they become ill or less able to cope. It can be unsettling and deeply upsetting to move away from friends, a partner or pets.

However, there is a real alternative. Ageing in our own home – in a safe and therapeutic environment – is the oldest and most respected form of social care. Live-in care, still little known, but fast increasing in popularity can provide the perfect solution.

What is 24-hour live-in care?

24-hour live-in care means that a professionally trained care worker moves into someone’s home full time to live with them and support their needs. A live-in carer will provide full time support for the elderly person, to provide continuous assistance with tasks around the home such as domestic housework, gardening, personal care, food preparation, helping the client to get dressed and undressed, washing clothes, assisting them to get in and out of bed, shopping, and assistance with medication. We provide many care services tailored to your needs.

At an extra cost, you can also request that your trained care worker can drive so they can take you out to the shops, medical appointments, to the hairdressers or barbers and to your community activities such as coffee mornings, knit and natter, to visit your friends or to go to the gym, for example. 24-hour live-in care means that you can continue to live your life as you would have done at home before you needed extra assistance and with as little disruption as possible.

A person may choose to have 24-hour live-in care as they have conditions such as dementia, Alzheimer’s, Parkinson’s, recovery from an operation, cancer, multiple sclerosis or if they have suffered from a stroke. These conditions mean that the person is struggling with their everyday lives and need that extra support to remain living at home. They could have limited mobility or total loss of mobility.

You may have spent some time in hospital for a serious medical condition or mental health condition and are ready to come home but you will not be discharged from hospital until the hospital is satisfied that you have suitable care to be able to go home.

24-hour care is also suitable for palliative care. In most cases, a person with a life-limiting illness such as terminal cancer will want to spend their last days at home with their loved ones, in familiar surroundings and 24-hour live in care provides this option.

It also provides companionship, especially for elderly people who are living on their own and who are a greater risk of isolation, depression, and self-neglect.

The benefits of live-in care vs a care home

  • you can reside in your own home
  • you can stay with your pets
  • staying in your home is less disruptive than moving to a care home
  • you get a dedicated care worker matched to your needs
  • you are in familiar and comfortable surroundings
  • you have the flexibility to continue with your own routine
  • you can choose what and when to eat
  • you can continue to get out and about with your care worker
  • you can sit in your own garden and carry on gardening with the help of your care worker
  • you can choose when to go to bed
  • you can have visitors whenever you want to
  • couples can stay together


How much does it cost?

Live-in care is more affordable than you think and comparable to the cost of living in a residential care home. You may qualify for some level of live-in care funding from your local authority.  We provide a fully managed service for live-in care and have trained professionals who can help you to navigate your way around how you fund for your care or that of your loved one. Our care packages range from £1290 to £1500 per week depending on your requirements.

How do I fund live-in care?

Understanding how to fund you or your loved one’s care is often fraught with new information that is difficult to understand. The cost of care is often perceived as the first barrier to obtaining care that is highly personalized and maximizes you or your loved one’s choice and control.

Will the council pay for Live-in Care?

According to the NHS, you might be eligible for the local council to pay towards the cost of your social care if you have less that £23,250 in savings. From October 2025, this will rise to £100,000 in savings.

The first step is for your council to do an assessment to check how much help you need. This is called a needs assessment.

The needs assessment is free and anyone can ask for one. Find out more about getting a needs assessment.

If you need care, the council will then do a financial assessment (means test) to work out what you will have to pay towards the cost of your care.

The means test works out if:

  • the council pays the maximum amount towards your care and you might have to pay a contribution too
  • the council pays a smaller part of the cost and and you pay the rest
  • you pay the full cost of your care

The financial assessment is free. It can be arranged for you after your needs assessment.

Paying for your own care (self-funding)

If you have savings worth more than £23,250 – rising to £100,000 in October 2025 – you will not be entitled to help with the cost of care from your local council.

There are many ways to fund live-in care:

  • From personal income, savings and/or investments
  • From ‘Equity Release‘, a way of releasing cash from your home to pay for your care without having to move. There are 2 types of equity release. Lifetime mortgage – like a traditional mortgage, it’s a loan secured against your home and Home reversion plan – this plan allows you to sell part (or all) of your home while you stay living in it.
  • From an annuity – this converts your savings into an annual pension, giving you a guaranteed income for life, or a specified period.

You can contact us today to get more information of live-in care and how to fund it by calling +44 (0) 333  121 2601, e mailing info@nobleliveincare.com or visit our funding page.

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