What is the Nursing Home Loan (Ancillary State Support)?
The Nursing Home Loan is an optional State loan that lets you defer the portion of your Fair Deal contribution based on property — the HSE pays it now and recovers it later from the estate, so you don't have to sell the home during your lifetime.
It applies to the asset-based part of the contribution secured against Irish property. It's optional: you choose whether to use it.
The HSE says a Nursing Home Loan application can sometimes take several months because official property documents may be needed. Apply as early as practical if you intend to use it.
The loan is a separate optional part of the Fair Deal process and has additional property and legal-document requirements.