Housing

When it comes to housing in our golden years, the options can feel a bit like shopping for a new car: Do you want the “stay-put classic” with a few extra safety features, the “sheltered housing special” with friendly neighbors and a social calendar, or the “assisted living deluxe” with all the bells and whistles? Whether you're a homebody wanting to add some extra comforts to your current pad or you’re ready to downsize into a cozy, care-packed community, there's something out there to suit every style. So, put your feet up, grab a cuppa, and let’s explore your options – because finding the right place to call home should be as easy as choosing your favorite chair!

Finding the right housing as you age is important for safety, comfort, and quality of life. The UK offers various housing options and support services for older adults, from staying in your own home to exploring assisted living or care homes. Here’s an overview of housing advice for the elderly, along with some tips for choosing the best option.

If you prefer to stay in your current home, there are ways to make it safer and more comfortable as your needs change. Small modifications can make a big difference. Consider installing handrails, grab bars, stairlifts, or even converting a room to a ground-floor bedroom if stairs become difficult. Local councils often offer Disabled Facilities Grants to help cover the cost of home adaptations. Additionally, some councils provide “handyperson” services, helping with minor repairs or adjustments at a reduced rate.

Sheltered housing and retirement villages provide housing specifically designed for older adults, typically with on-site support services. These communities offer self-contained flats or houses with the advantage of shared amenities and a social atmosphere. Residents often benefit from regular security checks, emergency support systems, and on-site managers who provide assistance if needed. Retirement villages take this a step further, offering more extensive facilities like fitness centers, shops, and even cafes, fostering a community feel.

Assisted living or extra-care housing is suitable if you need help with daily activities but wish to remain as independent as possible. This type of housing offers private apartments with added care and support, including assistance with personal care, housekeeping, and meal preparation. Assisted living communities often include communal spaces for socializing and activities, giving residents a sense of independence while knowing help is always close by.

If you or your loved one needs full-time care, a residential or nursing home may be the best choice. Residential homes provide 24-hour care for residents who require assistance with daily activities, while nursing homes offer medical care for those with more complex health needs. When choosing a residential or nursing home, it’s important to visit the facility, talk to staff, and review recent inspection reports from the Care Quality Commission (CQC) to ensure high-quality care.

Housing costs can add up, but there are ways to access financial support. The Attendance Allowance and Pension Credit provide additional funds for those who need extra help at home. If you’re considering residential care, local councils may help with funding after a financial assessment. Additionally, the Equity Release Scheme lets homeowners access funds tied up in their home without having to sell, providing financial flexibility while staying in your property.

Navigating housing options can be overwhelming, but support is available. Charities like Pochlight, Shelter, and Independent Age offer free advice on housing and benefits for older adults. The Citizens Advice Bureau can also assist with questions about financial aid, legal matters, or council services.

Think ahead when making housing decisions. Whether staying put or considering a move, planning for future health or mobility changes can help you feel prepared. Talking openly with family or a trusted advisor can make this transition easier and ensure that your housing choice aligns with your goals for independence, safety, and comfort as you age.