How it works

Eight questions, an answer on screen, and a report to keep. Nothing to sign, nothing to pay.

Answer eight questions
Who the check is about, where the home is, its rough value, who lives there, savings, pensions, age, and which documents exist.
About 2 minutes
See the answer
Whether the home counts towards care, care costs in your region, inheritance tax now and after April 2027, and what would be left for the children.
On screen, no email needed
Keep the report
A private page with the figures, the documents to sort, the options for the house and next steps. Share it with family or take it to an adviser.
By email, free

What we check

Care. The 12-week disregard, who keeps the home out of the means test, the £23,250 and £14,250 limits, tariff income, the deferred payment agreement, NHS funded nursing care and continuing healthcare, and regional self-funder fees.
Inheritance tax. The £325,000 nil-rate band, the £175,000 residence band and its taper over £2m, transfers between spouses, the 36% charity rate, gifts in the last seven years, and pensions from 6 April 2027.
Documents. Will, both lasting powers of attorney, and whether a couple owns as joint tenants or tenants in common.
Options. Staying put, downsizing with stamp duty and moving costs, releasing money with a lifetime mortgage at typical rates, and renting a room.