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Creating a safe, accessible bathroom can make everyday life more comfortable, and give you peace of mind at home. But when it comes to paying for your new mobility bathroom, it’s not always clear where to start.
At Age Care Bathrooms, we work with thousands of homeowners every year who are looking for practical and affordable ways to fund their bathroom adaptations. From government grants to lifetime mortgages and private finance options, here’s everything you need to know to make the right choice for you.
1. Government Grants: Disabled Facilities Grants (DFG)
If you or someone in your household has a disability, you may be eligible for a Disabled Facilities Grant (DFG) from your local council. These grants are designed to help cover the cost of essential home adaptations — such as mobility bathrooms, walk-in showers, or wet rooms.
Important: Age Care Bathrooms cannot provide advice or assistance with DFG applications. All applications and assessments must be made directly through your local council.
How it works
- You’ll need an occupational therapist assessment arranged by the council.
- The grant is means-tested, which means your income and savings are reviewed to decide how much you can receive.
- If approved, the council will arrange and fund the necessary works — often using their own contractors.
Pros
No repayment required (unless you move within 10 years for larger grants)
Doesn’t affect existing benefits
Helps cover essential accessibility adaptations
Cons
Strict eligibility and means testing
Can take a significant amount of time from application to completion
Limited control over design, installer, and materials
Average grant amount
Up to £30,000 in England, depending on your local authority.
If you believe you may qualify for a Disabled Facilities Grant, the best starting point is to contact your local council directly or visit their website for application details.
2. The AgeCare Lifetime Mortgage: Flexible Funding from Your Home’s Value
If you own your home and are aged 55 or over, a Lifetime Mortgage offers a faster, more flexible alternative to government grants.
It allows you to release some of your property’s value as tax-free cash, without selling or moving home.
You can use these funds to create a beautiful new mobility bathroom, walk-in shower, or wet room that perfectly suits your needs.
How it works
- You borrow a percentage of your home’s value, based on your age, health, and lifestyle.
- There’s no need to make monthly repayments (unless you choose to).
- The loan is repaid when you sell your home, move into long-term care, or pass away.
- You’ll never owe more than your home’s value thanks to FCA and Equity Release Council protections.
Benefits
Quick access to tax-free funds
Not based on income or affordability
Freedom to choose your own bathroom design and installer
Ideal for larger projects than typical grants allow
Fully regulated and protected by the FCA
The AgeCare Lifetime Mortgage gives you direct control — without long waiting times or council restrictions.
3. Finance Plans from Age Care Bathrooms
If a grant isn’t available to you, or you’d prefer a straightforward private route, Age Care Bathrooms also offers flexible finance plans to make things more affordable.
These plans allow you to spread the cost of your new bathroom into manageable monthly payments, with a simple and transparent process from start to finish.
Benefits
Fast and easy application process
Full control over your bathroom design
No council involvement or eligibility assessments
Ideal for customers who want to start their project sooner
Our finance plans are available on a wide range of mobility bathrooms, walk-in showers, and wet rooms, helping you enjoy safety, comfort, and independence at home — without having to wait for funding approvals.
4. Choosing the Right Option for You
| Funding Option | Repayment | Eligibility | Ideal For |
| Disabled Facilities Grant (DFG) | No (unless moving) | Assessed by local council | Basic essential adaptations |
| AgeCare Lifetime Mortgage | When property is sold | Homeowners aged 55+ | Full bathroom refurbishments |
| Age Care Bathrooms Finance Plans | Monthly payments | Flexible | Smaller or mid-size projects |
Note: Age Care Bathrooms cannot apply for, influence, or provide advice on any council grants. However, we can help you explore independent funding routes, such as our finance plans or the AgeCare Lifetime Mortgage, to help you start sooner.
5. Get Expert Guidance (Free & No Obligation)
Our team is here to help you understand and access the right private funding options for your circumstances. Whether you’d like to explore an AgeCare Lifetime Mortgage or learn more about our flexible finance plans, we’ll explain everything clearly — with no pressure and no hidden fees.
If you wish to apply for a Disabled Facilities Grant, please contact your local council directly. You can usually find details on your council’s website under ‘Housing Adaptations’ or ‘Disabled Facilities Grant’.
Ready to Explore Your Options?
Apply now with your local council for a Disabled Facilities Grant,
or speak to our team about flexible private funding through the AgeCare Lifetime Mortgage or Age Care Bathrooms finance plans.
We’ll help you find the most suitable way to fund your mobility bathroom, walk-in shower, or wet room — safely and simply.
Apply for Funding Now
🚿 Independence Starts at Home
The right bathroom design can mean fewer barriers, more comfort, and greater control over your day. Age Care Bathrooms works with you to make that possible.
📞 Call 0800 999 8994
or
💬 Contact us today
to create a bathroom that works for you—not against you.