Funding advice

An outline

Making the process easier

We have put together a brief outline of how funding can work for you when deciding on a care provider. For more of an insight into how funding can work for you, we recommend you use one of these sites (Age UK – Care Home Advice or NHS – Care Home Advice) or contact a member of administration staff at your local St Martins Care home.

Finding Older People's Care

St Martins Care are here to help you every step of the way in deciding on which of our care homes best suits your requirements, what type of care & support you require and advise on the best way to fund it for your individual circumstances.


Accessing a Care Home

All care home residents and potential residents have very individual circumstances. We will do a complimentary assessment of your needs with support from the Local Authority and health professionals. Should this assessment show that you require ongoing residential or nursing support. Your social worker should provide you with a recommended list of local care providers for you to visit, and decide on the best one for you. This will assist you in taking the next steps to a date where you can move in and get settled in your new environment and making it feel like home.


Funding Your Care Home

Your social worker will undertake a means assessment, which will determine whether you will receive funding towards the costs of your care. The amount of money you will need to contribute towards the costs of your care depends upon your assets – including your savings and the value of your home (if you own it). If you own a home that your spouse or civil partner still lives in, this will not be used towards paying for your care

The amount you will need to contribute depends upon where your assets fall within the below thresholds:


Thresholds for residential care funding (2021-22)


 Lower limitUpper limit
England     £14,250£23,250
N. Ireland£14,250£23,250
Scotland £18,000£28,750
WalesN/a£50,000



  • If you have assets above the value of the Higher Limit they will be used to pay for all of the costs of your care until they fall below the higher limit.
  • If the value of your assets falls below the lower limit, they will not be used towards the costs of your care.
  • If the value of your assets is between the higher and lower limits, you will be required to make a contribution towards the costs of your care with these, with Social Service paying the remainder. The amount of this contribution will depend upon the overall value of your assets. Once the value of your assets reaches the lower threshold, they will not be used to pay towards the costs of your care.
  • If you require nursing care, the nursing element of your fees will be paid by the local authority regardless of these thresholds.

Any income you receive, such as benefits or pension, will be used to contribute towards the costs of your care, except for a Personal Allowance of around £22 per week.

If you are interested in accessing a Community Integrated Care Older People's Care Home, we are happy to provide you with further advice and information.


Self-Funding

If you require support but are assessed as being ineligible for funding by your social worker, you can in many instances pay for these services independently. All of Community Integrated Care Older People's care services are available for people who wish to self-fund.

Get in touch

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Please fill in the form below to get in contact with us or call us on 0191 583 0002

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