Every week someone asks the same question:
Prefer to listen. It’s below.
“Can I put my mum’s house in a trust so the council won’t take it for care home fees?”
The short answer?
No.
Here’s why.
1. It’s Deprivation of Assets
The Care Act 2014 is clear.
If you move assets—like a house—out of your name to dodge care costs, the local authority will see right through it. They call it deliberate deprivation.
That means they’ll act as if the home is still in your name. You won’t save a penny.
2. You Lose Control
When a house is in a trust, someone else runs it.
Who decides what happens with the home? Who manages it? Who gets the rental income, if any?
And what if the trustees don’t agree? It’s messy.
3. The Tax is Worse
Holding a house in trust can create extra tax bills.
There’s potential for:
Capital Gains Tax when it’s sold
Income Tax on rental money
Inheritance Tax when someone dies
Sometimes all three apply.
4. It’s Not a Shortcut. It’s a Trap.
This isn’t a clever workaround. It’s a risky move.
If you get it wrong, you’re in deeper water—with the council and the taxman.
Better to get honest advice. And plan properly.
Final Word:
Trusts aren’t magic. And they don’t block care fees.
Know the rules. Play it smart. If it sounds too good to be true—it probably is.
You can download the Fact Sheet below.
Moneytrainers_Care_Fees_Fact_Sheet
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