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Fair deal scheme - dependent

  • 23-04-2019 9:03pm
    #1
    ITgirl73
    Registered Users Posts: 230 ✭✭


    I am caring for elderly parents for last number of years & I live full time with them. It is looking like we need to avail of fair deal. I am at an age where I won’t qualify for a mortgage & do not have enough savings for house deposit. If we avail of fair deal & they subsequently die, am I at risk of losing my home or how does it work.


Comments

  • #2
    niallb
    Registered Users, Registered Users 2 Posts: 2,747 ✭✭✭niallb


    Have you taken this any further?

    You really need to get some specific professional advice on how best to approach it,
    but it's possible you might be able to defer payment of any portion of debt from the value of the family home for your lifetime.
    It probably depends on how long you've lived there.

    It's not compulsary to take the nursing home loan on the value of the house, though for many people it's the simplest option.
    Any portion of cost based on the value of the house can instead be paid from your income or the remainder of other household income if there is one.

    It's not an easy calculation which is why experienced professional advice is a good idea.
    You might start by calling Age Action to see can they recommend somebody in your area.


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