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Maintenance, insurance and use of secured property

In this section

  1. 1
    Introduction
  2. 2
    Transition to Care Act requirements
  3. 3
    Definitions
  4. 4
    Information and advice about deferred payment agreements
  5. 5
    Mental capacity
  6. 6
    Eligibility criteria
  7. 7
    Adequate security
  8. 8
    Unregistered property
  9. 9
    Requirements for valuation of the secured property
  10. 10
    Maintenance, insurance and use of secured property
  11. 11
    Amount that can be deferred
  12. 12
    Equity limit
  13. 13
    Applications for a deferred payment agreement
  14. 14
    Refusing a request for a deferred payment agreement
  15. 15
    Financial assessment
  1. 16
    The deferred payment agreement
  2. 17
    Registering the charge over the secured property
  3. 18
    Payment of care costs
  4. 19
    When deferral of further care costs must or may cease
  5. 20
    Charging interest on deferred amounts
  6. 21
    Administrative fees and charges
  7. 22
    Provision of regular financial statements
  8. 23
    Terminating a deferred payment agreement
  9. 24
    Debt recovery
  10. 25
    Dissatisfaction and complaints
  11. 26
    Review
  12. 27
    APPENDIX 1 - Deferred Payment Agreement (Traditional)
  13. 28
    APPENDIX 2 - Deferred Payment Agreement (Loan style)
  14. 29
    Policy details

10.1    The adult or their representative must ensure that the property over which a deferred payment agreement is secured is adequately maintained and insured throughout the duration of the agreement. The council requires the adult or their representative to have in place an arrangement for regular maintenance to take place. If the property is to be left empty for an extended period of time, the adult or their representative will need to ensure that the insurance covers this adequately and any terms required by the insurer are met.  

10.2    The adult or their representative must seek the council’s consent:  

  • to the way in which the property is to be used throughout the duration of the agreement, and
     
  • before allowing any person to occupy the secured property during the duration of the deferred payment agreement  
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