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Step 3: Optional Nursing Home Loan

There is provision within the Fair Deal process to make an Application for the Nursing Home Loan – and this is entirely optional.

What does an Application for the Nursing Home Loan mean for you?

  • Fair Deal assesses how much you will need to contribute to the cost of care, and if you have assets such as owning your own home/land then this is considered.
  • Where your assets include your home, the contribution based on your principal residence may be deferred by applying for ancillary state support (also known as Nursing Home Loan).
  • This means that you do not have to sell your home during your lifetime. 
  • Your spouse/partner can also apply to defer the repayment of the loan for their lifetime.
  • In certain circumstances, an application for deferral of repayment of the loan can be made by other relatives. 
Fair Deal Specialist

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