The house cannot be sold to pay care fees if a relative of 60yrs + is living there. Assuming that relative has nowhere else to live. BB

points noted, many thanks, much appreciated

Hi -- People who live in care/nursing homes are allowed the first £21,500 in savings I believe before they have to contribute to their costs, so that lower threshold of savings will always be allowed.

The rules on "deprivation of capital" will allow the local authority to legally claim that the house has been sold or disposed of undervalue and thereby reverse any transaction, where it has reasonable grounds to believe that any assets have been disposed of in order to avoid paying for the care needs, which were reasonably foreseen and expected.

You need to seek legal advice on this.

Hi I am NOT a financial advisor in any way but I am a nurse manager who deals with this all the time as part of my job. I am afraid you can't do what you are suggesting as the council would class this as your mum divesting herself. I strongly suggest you speak to someone at Age Concern or help the aged who can be very helpful. A lot of my elderly patients have 'put their house in order' through a solicitor. It may be worth you getting 'power of attourney' at this stage and different areas of the country do fund in different ways. I work in the Leeds area so am most familiar with that (I place people in care if necessary or arrange home care). There are different charges etc so I really would speak to age concern who give good help. Sorry thats as clear as mud but hopefully a financial wizz can come along and help you a bit more with the technical stuff. If I can be of any assistance on a nursing/caring/home ca\re front I would be glad to help. claire

Mother s health deteriorating , shes now 83 , worried about fact that in time she may need care and

that may require her being put into nursing home or sheltered housing , my understanding being that other than

some £3000 this would have to be paid for out the sale of her house and any other money she may have in savings.

Is there anything that i can do as her son to prevent this happening ? It has been suggested to me

that she sell me the house for 1 pence and put her savings into my name ?

any advice gratefully accepted.