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Explore Lifetime
Mortgages Further...
Explore Your Funding Options for Disability Bathroom Grants and Adaptations
Applying is quick, there's no obligation, and the process is simple.
- AgeCare Lifetime Mortgage : Access part of your home’s worth
- Disabled Bathroom Grants : Government Funding for Eligible Customers
- No Obligation : Explore options without pressure
- Expert Support: Guidance at every stage, especially with Disabled Facilities Grants.
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AgeCare Lifetime Mortgage :
Access part of your home’s worth -
Grants :
Government Grants for Eligible Customers
AgeCare Lifetime Mortgage Vs. Disability Bathroom Grants
AgeCare Lifetime Mortgage
Easily release some of your property's value to fund your bathroom adaptations.
- Access Larger Amounts for Bigger Projects
- 6-8 Weeks Wait Time
- Flexible, tax-free funds.
- No Proof Of Income Necessary
- Flexibility To Choose Whether Or Not To Make Monthly Payments
- Highly Regulated by the FCA for your protection.
- Ideal for funding larger projects than Disabled Facility Grants
Disability Bathroom Grants
Disability bathroom grants can be accessed through your local council, but eligibility is strict.
- Strict Eligibility Criteria, especially for Disabled Facilities Grants
- Means Tested (Financial Assesment)
- 1-2 Year Wait Time For Applications
- Limited Choices For Bathroom
- Local Council Chooses Installer (Sub-Contractors)
- No Aftercare Service Included
How Does A Lifetime Mortgage Work?
Quick access to funds, tailored to your needs.
What is a lifetime mortgage & what are the benefits?
A Lifetime Mortgage lets homeowners aged 55+ access tax-free cash as a lump sum or regular income, with no obligation to make monthly repayments. The process is not based on affordability, allowing you to stay in your home while financing adaptations, including new Age Care Mobility Bathrooms—an alternative to Disability Bathroom Grants.
Similar to your normal mortgage...
A Lifetime Mortgage is similar to a typical mortgage. The lender secures a charge on the property based on its value, with the amount you can borrow linked to age, health, and lifestyle. There are no interest payments during your lifetime, and the mortgage concludes when you pass away or move into long-term care. This frees funds for essential bathroom adaptations, bypassing the limitations of Disabled Facilities Grants.
Direct access, full control
With an Age Care Lifetime Mortgage, the process is straightforward. You manage everything directly with us and our partners, avoiding the delays and restrictions often tied to Disability Bathroom Grants. Get started sooner with a bathroom designed to meet your exact needs.
Is a lifetime mortgage right for me?
You'll never owe more than your property's worth, but a lifetime mortgage might impact your means-tested state benefits. No additional loans can be taken against the home, and interest compounds over time. All set-up costs are covered after release, so you can concentrate on your new bathroom adaptations instead of dealing with Disabled Facility Grants.
Disabled Facilities Grants: How Do They Work?
A lengthy process, but helpful if you're eligible.
What is a Disabled Facilities Grant and What are the Benefits?
Eligible individuals can access a Disabled Facilities Grant if they need home modifications for disabilities. These grants won't impact any benefits you receive, but you may have to contribute towards the costs based on your income. Grants can go up to £30,000, with a charge placed on your property. If you move within 10 years, repayment is required. For many, Disability Bathroom Grants are a practical solution for necessary home adaptations.
The Grant & The Contractors
Payments are issued once you and the council approve the completed work. This can conflict with how private trades operate, as they often require deposits or set payment terms. Councils typically use pre-approved contractors, limiting your choice when accessing Disabled Facility Grants.
Eligibility
To qualify for a grant, a disabled person must live in the house during the grant term. An occupational therapist’s assessment and means test are standard, with the grant amount based on household income and savings over £6,000. You might need to pay towards the modifications depending on your financial situation. For those who are eligible, Disabled Facilities Grants provide vital support for bathroom adaptations.
The Bathroom & Lead Time
Bathroom options are frequently limited due to council regulations on permissible installations. Lead times from application to final installation can span 1 to 2 years, depending on your location, making Disabled Bathroom Grants a slower, but often necessary, route.
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