🏡 Selling a Home to Fund Aged Care in South Australia – What Families Need to Know
Introduction
Making the decision to move a loved one into aged care is rarely simple. Families in Adelaide often face a mix of urgency, financial pressure, and emotional weight when a home must be sold to fund care. It can feel like too many decisions need to be made at once, and knowing where to begin is difficult.
That’s why I created Selling a Home to Fund Aged Care or a Nursing Home – A Calm Step-by-Step Guide for Families and Homeowners in South Australia. This new addition to the Plaza Life Transitions Series was written to give families clarity, reassurance, and steady guidance through one of life’s most challenging transitions.
We understand English isn’t everyone’s first language — if you or someone you know would prefer a translated version of this book, just let us know.
🕊️ Why the Family Home Matters in Aged Care Decisions
For many South Australians, the family home is their most valuable asset. When aged care becomes necessary, the sale of that home often plays a central role in funding accommodation costs — particularly the Refundable Accommodation Deposit (RAD).
This isn’t just about money. A home holds memories and meaning. Letting go can feel like closing a chapter. Families may feel torn between practical needs and emotional attachments. Acknowledging this tension is the first step toward making calm, thoughtful decisions.
⚖️ Legal and Practical Considerations
Before a home can be sold, it’s important to confirm who has the legal authority to sign documents. If your loved one is still able to make decisions, the process is straightforward. If not, an Enduring Power of Attorney or, in some cases, tribunal orders may be required.
In South Australia, other title issues such as joint tenancy, tenants in common, or life interests can also affect how a property is handled. These complexities don’t arise in every case, but when they do, families should seek guidance from their conveyancer or solicitor early in the process.
💰 Funding Aged Care with Confidence
Understanding aged care costs is often confusing. RADs, daily fees, and care supplements can quickly become overwhelming.
The key point for families to remember is this:
- You don’t need to navigate it all at once.
- You don’t need to do it alone.
Working step by step with clear professional support — financial advisers, solicitors, and a real estate agent experienced in aged care sales — helps reduce stress and avoid rushed mistakes.
🌿 Managing Family Dynamics
It’s common for siblings or relatives to disagree about when and how to sell the family home. Emotions can run high, especially when one person holds decision-making authority.
The most effective way through is often clear communication, supported by a neutral professional. At Plaza Real Estate, we regularly assist families by:
- Coordinating updates and feedback for everyone involved.
- Ensuring decisions are documented and transparent.
- Keeping the focus on dignity and the best outcome for the person moving into care.
🏡 Achieving the Best Sale Outcome
Selling under pressure doesn’t mean accepting less. With thoughtful marketing and the right strategy, families can achieve strong results while protecting privacy.
Some homes are sold quietly off-market or pre-market to meet timelines. Others benefit from a full campaign to attract competition. The right choice depends on the property, the timeframe, and the family’s goals.
At Plaza Real Estate, we use a range of modern tools — from digital campaigns to private buyer databases — while keeping sensitivity front of mind. Our role is to ensure the process feels respectful, not overwhelming.
✅ Moving Forward with Confidence
Settlement, removals, and closure are often the most emotional stages of the process. Standing in an empty home or locking the door for the last time is never easy. But when families have had time to prepare, and when the process has been guided with care, this stage can also bring relief and peace of mind.
Closing Thoughts
Selling a home to fund aged care is one of the most difficult decisions many South Australian families will face. This book was written to help you feel less alone in that process — and to show that with calm, professional support, the pathway forward can be managed with dignity.
📘 Download the Free Guide
You can Download Selling a Home to Fund Aged Care or a Nursing Home here:
🟢 Click here to get your FREE copy now »
📞 (08) 8396 1100
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🌐 plazarealestate.com.au/books
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We understand English isn’t everyone’s first language — if you or someone you know would prefer a translated version of this book, just let us know.
