Funding Your Care

Expert lawyers specialising in funding your care

Care Planning

Funding your care

What should you consider?

It’s important to have the right specialist advice, whether it’s to help navigate the complex and sometimes daunting issues of care costs and choosing a care home or understanding the legal issues around Wills, Trusts and Lasting Powers of Attorney.

We have expert lawyers specialising in continuing care and can give you the legal advice you need to navigate the UK’s complex elderly care system.

How can Goughs help with care home fees?

The rules around care funding can be complicated. It is vital that the correct processes are followed to ensure the person needing care receives the full benefit of any help they may be entitled to. Goughs can provide advice on what assessments are required and can also assist with the completion of care funding applications.

Don't risk your
family's inheritance

Specialists in elderly care

Popular questions
about care fee funding

If you have capital of more than £23,250 you will generally be liable to fund your own care. We can advise you on what is taken into account in any financial assessment including income and what can be disregarded.

For more information about care fee funding, please click here.

There are a variety of reasons why you must be very careful if you want to make large gifts at a time when you might be in need of care. We can explain the risks involved to prevent repercussions in the future.

The average long term care is currently around £50,000 per year

a) Lasting Powers of Attorney

b) Wills

c) Tax planning

Being prepared for the future is key. We can help advise you on making your Will but can also advise on and prepare Lasting Powers of Attorney to ensure that your finances can be dealt with if you are incapacitated. For those who have a larger estate we can also advise on tax planning either through your Will or through lifetime giving.

In certain circumstances, a property belonging to someone who has entered care can be disregarded but there are strict rules around this. We can tell you whether or not your home would be included within a financial assessment.

Unless you pay for your own care, you will generally rely on financial assistance from the local authority. In some instances it may be necessary for a friend or relative to make a contribution to your care costs.

If your capital falls below £14,250 the council will fully fund any short fall after taking into account what you can contribute through your income. Depending on the care contract and care provider there could be issues with your care continuing at that care home.

This is the term used to explain a deliberate act in which assets are transferred or given away to prevent them from being taken into account when assessing liability for care fees. To find out more, please click here.

Unlike the seven year rule with inheritance tax, there is no set period after which gifting of assets is “safe” from being classed as a deprivation of assets. The local authority will carefully look at any such transactions and will look at the reasoning behind this gifting. If they believe that this has been done to avoid care home fees then the onus is on you or your family to prove otherwise.

We are specialists in elderly and future planning with a long established reputation in Wiltshire.

Our specialist team includes lawyers belonging to Solicitors for the Elderly who are also Dementia Friends or Dementia Champions.

Digmore Sid

Excellent service

I engaged the services of Goughs Solicitors in Trowbridge, in particular Ailie Peacock, to act on my behalf for the sale of my house. Ailie was always clear with her advice, acted in a timely manor and answered any questions I had almost immediately. She was very proactive in dealing with the other parties involved in a slightly convoluted chain.

Ailie also managed a very late request from our buyers with calm efficiency and the utmost professionalism. The end result was a smooth sale and completion, with remarkably little stress on our part. I would not hesitate from using them again.


Margaret Wilson

Clear concise advice

Quick response to e-mails or phone calls. Will certainly use again in the near future. Clear concise advice patiently given!


Mr Ian Liddle

Excellent service

Excellent service as usual.



Superb once again.

Superb once again. Goughs provides outstanding service... professional in getting the job done and conducted with grace and care. Thank you Goughs!


Ashley Stone

Rhianna Cole

The solicitor I dealt with at Goughs, Rhianna Cole, was an absolute star, I cannot fault her in any way at all. She made everything in the situation I was in so easy to understand, and she guided me through an extremely stressful time, with extreme professionalism, yet a very personal and sensitive touch. Can't big them up enough.



Matt Saunders

Made first-time buying a (relatively) simple process!

Sophie was very attentive and responsive and understood the need to act quickly in regard to our purchase process. She was diligent with the paperwork and was very easy to talk to and clear at explaining what was required in terms of action from our side and from the seller.



Nicolas Bracegirdle

pursuit of excellence.

All were welcoming and pleasant and dealt with my queries instantly. Nadine Cook who handled the conveyancing was absolutely outstanding in her pursuit of excellence. I commend her as one of the best and she has my everlasting thanks


David Humphries

very friendly welcome

Donna was always available on the phone and was always helpful, a very friendly welcome. I had very regular updates and nothing was too much trouble.


Ali Joy

excellent service

Since working with Nadine - excellent service, Thank you Nadine, good service as expected.


Judith Orzechowski

Very glad we went with Goughs

Sarah was very thorough and kept in touch with us all the way through the process. Very glad we went with Goughs and hopefully Sarah will be assisting my parents with their property regarding Land Registry


Sarah Taylor

Nadine was fantastic

Nadine was fantastic, by far the best conveyancing process we’ve ever experienced, would recommend her to anyone. She was professional and communicative at all times, thank you


A Clark

Very happy with the service provided. 

Nadine said at the beginning that she was proactive, easy to say, but she proved to be so.  She dealt with all matters efficiently by e-mail and e-letter. I also had two face to face meetings and she took the time to explain things clearly which is important.  Very happy with the service provided.


Your care planning team

Catherine Cole

Associate Private Client Practitioner

Following a career in hospitality, Catherine began working in private client law in 2002. She joined Goughs in 2017 and within 2 years she was promoted to an Associate

Maxine Coles

Associate Chartered Legal Executive

Maxine specialises in Private Client work, with much of her work being in elderly client care. She has a natural empathy towards clients in what can often be distressing situations.

Samantha Cory


Samantha joined Goughs as a Solicitor in 2020. Samantha has been practicing in Private Client law since 2018, and loves the personal interaction with clients and being able to help them with difficult personal and emotional circumstances.

Trish Watkins

Senior Associate (CILEx)

As a Private Client lawyer, Trish always had a strong empathy for the elderly and vulnerable and prides herself in being able to engage with them and support them through what can be very difficult times.

Why work
with Goughs?

Local since 1882, with an excellent reputation

First-class, effective service

Largest solicitors in Wiltshire

Seven offices throughout the county

Nationally accredited law firm

Recognised by Legal 500 and Chambers & Partners

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