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9 Benefits of Care at Home: Living in a Granny Annexe

Whether you’re looking for an alternative to care home costs for a relative, or whether you are just planning for the future, we’ve put together this list of benefits of care at home to help your research.

Social and childcare support

In the 65-74 age group 13% of men and 35% of women live alone[1]. This is a sad fact when there is an option to bring family closer by moving your loved ones into a Granny Annexe in your back garden. This means they can benefit from seeing their family more often as well as spending time with their grandchildren. The whole family gains, as grandparents can provide childcare support when needed.

Security

Your relatives may feel more secure living in a Granny Annexe in the back garden with relatives in the family home, while the annexe allows them to maintain some form of independent living. Simply knowing that their family is nearby, just in case, is of great comfort to our clients. Our clients also feel more secure be being in a familiar environment for a longer period of time, giving them greater stability and peace of mind.

Financial

Care home costs are something that need to be considered very carefully by families. Care home costs in 2018 can be a staggering £1000 per week!

All care costs money, however care at your own home is on average more than 5 times cheaper than care in a residential home. Care at home costs £5,200 a year on average, which equates to £100 per week, but can vary depending on individual care needs[2].

£557 is the average weekly cost of a place in a residential care home in England. Over a year, this equates to circa £29,000. The South East of England is the most expensive region for residential care, costing on average for the region £641 per week, which is over £33,000 a year[3].

Your relative could spend 2.3 years in a residential care home on average[4], costing you £66,700 for their stay (based on the average cost of a place in a residential home in England). In the South East of England, this cost rises to over £76,600. For this price, your family can purchase a Granny Annexe complete with full installation starting from £55,162.85, giving your relative their own place to live, as well as an asset for the family estate[5].

44% of people who live in residential care homes in the UK are fully self-funded, with a further 13% who are partly self-funded[6].

Some people may also be considering buying their relatives a small property instead however property prices are set to rise on average by 6% in 2016, according to RICS. East Anglia however is set to rise by a whopping 8%[7], with the highest priced regions also incorporating London and the South East. Buying houses is becoming far less affordable. The average property price in England and Wales is £191,812[8] compared with building a Granny Annexe in your back garden starting from just £55,162.85[9].

Local authority support

You may also be able to access local authority care and support if your relative continues to live independently i.e. they don’t have to live in a care home to qualify. If your relative has savings and assets worth up to £23,250 in England and up to £23,750 in Wales or a weekly income which is not enough to pay for care home fees, they could be eligible for local authority funding[10].

Beloved pets

Another great benefit of care at home is keeping your pets. Your relative’s beloved pets may not always be welcome in care homes, and they may not get on with any resident cat or dog[11]. So if your elderly relative is very attached to their pets, then living in a Granny Annexe means they’ll be able to keep them close. After all, most pets are members of the family . . .

Independent living aids

If your relative finds some everyday activities difficult, there are a number of products which support several areas including:

  • Communication
  • Moving around the home
  • Leisure
  • Mobility and walking
  • Personal care
  • Telecare and alarms

The Living Made Easy website[12] gives you a good indication of what products your relative will need when you complete their short questionnaire associated with a particular area. Once complete, you’ll receive an online report and a list of suppliers, so you can source the products easily.

At Granny Annexe, we are happy to install larger items with your build such as a wet room with products to support the user such as a shower chair and high level WC. We can also install grip rails where required.

Granny Annexe built in Nuneaton in 2015 - Benefits of care at home

Picture: Spacious Granny Annexe built in Nuneaton, 2015.

Increased property value

Building a Granny Annexe will almost certainly increase the value of your property[13]. Although it is difficult to put an exact figure on the increase, your local estate agent can best advise you.

Council tax exemptions

According to national Council Tax Legislation, Granny Annexes in England and Wales are eligible for 2 types of council tax exemption:

  1. Class W Council Tax Exemption applies to the occupants of the Granny Annexe who must be related to the residents of the main family house. If your relative is over the age of 65 or meets the criteria for a severe disability, then the Granny Annexe is exempt from council tax.If you have an annexe which is lived in by a family member or used by the resident of the main dwelling, and who do not meet the above criteria, you can receive a 50% discount on the council tax for that annexe from 1 April 2014.
  1. Class T Council Tax Exemption applies when the Granny Annexe is completely unoccupied.When your local Council is made aware of your Granny Annexe building by your local Planning Department, your local Council will notify the Valuation Office Agency (VOA). The VOA will see if your Granny Annexe meets any of the above criteria and will communicate with yourself via your local Council if there is a need to adjust council tax[14].

Built to your needs

Our Granny Annexes provide the perfect solution for independent living in the heart of the family. With your relative secure in their Granny Annexe, just a stone’s throw from the house, you can rest assured that they’re living in a cosy and safe building. All our Granny Annexes are built to the latest Building Regulations in England and Wales; have a 10 year structural warranty and a manufacturer’s warranty on all fixtures and fittings. We also manufacture our own Structurally Insulated Panel Systems (SIPS) for each build, so you’ll benefit from the high quality insulating properties in all seasons.

Our Granny Annexes are designed to your needs. You choose the design and finish, and let us know if there’s any extras such as access ramps, wider thresholds or even decking with balustrades.

We provide a full turnkey service from start to finish. Our professional staff will support and guide you, handling everything throughout the process from the initial site survey to when you receive your keys. At Granny Annexe, we also create and submit your planning application, provide complete project management throughout the build and ensure your liveable Granny Annexe is fully connected to utilities and drainage.

Granny Annexe built in St. Albans, 2015 - Benefits of care at home

Picture: Granny Annexe built in St. Albans, 2015.

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[1] BUPA, ‘Planning Your Needs in Later Life: A Guide to Making Choices for the Years Ahead’, BUPA, 2016, p. 4.

[2] Cebr, ‘The Cost of Care in Later Life’, Killik & Co., 2014, https://www.killik.com/documents/the-cost-of-care-report-2014/, (accessed 4 March 2016).

[3] LiangBuisson, Care of Older People 26th edition, 2013-14 cited in Which?, Care Home Fees, [website], 2016, http://www.which.co.uk/elderly-care/financing-care/financing-a-care-home/381597-care-home-fees, (accessed 4 March 2016).

[4] Cebr, ‘The Cost of Care in Later Life’.

[5] Granny Annexe, ‘What Does a Granny Annexe Cost?’, Granny Annexe, [website], 2016, http://www.grannyannexe.com/what-does-a-granny-annexe-cost/, (accessed 4 March 2016).

[6] LiangBuisson, Care of Older People 26th edition, 2013-14 cited in Which?, Care Home Fees, [website], 2016, http://www.which.co.uk/elderly-care/financing-care/financing-a-care-home/381597-care-home-fees, (accessed 4 March 2016).

[7] S. Rubinsohn, Royal Institute of Chartered Surveyors, [website], 2015, http://www.rics.org/uk/news/news-insight/comment/uk-house-prices-to-rise-by-6-percent-in-2016/ (accessed 4 March 2016).

[8] Land Registry, ‘House Price Index’, Land Registry, 2016, https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/503000/Jan_2016_HPI.pdf, (accessed 4 March 2016).

[9] Granny Annexe, ‘What Does a Granny Annexe Cost?’, Granny Annexe, [website], 2016, http://www.grannyannexe.com/what-does-a-granny-annexe-cost/, (accessed 4 March 2016).

[10] J. Allen, ‘Helping Loved Ones in Later Life’, Which?, 2015, p. 10.

[11] Which?, ‘ benefits and drawbacks of home care services’, Which?, 2016,

http://www.which.co.uk/elderly-care/housing-options/home-care-support-services-and-help-at-home/342899-the-benefits-and-drawbacks-of-home-care-services, (accessed 4 March 2016).

[12] Disabled Living Foundation, Living Made Easy, [website], 2016, http://www.livingmadeeasy.org.uk/, (accessed 4 March 2016).

[13] A. Youens, ‘Annexes add value to high end property’, Country Life, [website], 2016, http://www.countrylife.co.uk/property/country-houses-for-sale-and-property-news/annexes-add-value-to-high-end-property-23285, (accessed 4 March 2016).

[14] Central Bedfordshire Council, [website], 2016, http://www.centralbedfordshire.gov.uk/council-and-democracy/spending/council-tax/council-tax-discounts-reductions-exemptions.aspx, (accessed 4 March 2016).


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