Direct paymentsHavering
Direct payments in Havering
If the council has agreed to pay towards care at home, you can take the money as a direct payment and choose who provides the care. A direct payment can usually pay a self-employed carer, on the council's conditions. Below is what the council publishes about its rates and rules, and what an hour of care costs near you.
241 self-employed carers within about 45 minutes of Havering
An hour of care in Havering
- A self-employed carer near youTypical rate on PrimeCarers, our fee included
- £19.10
- Local home care agenciesMedian of 69 agencies nearby that publish a price
- £25.00
A budget worked out at the agency rate buys more hours from a self-employed carer. What a weekly budget buys each way is set out below.
What the council pays
Direct payment rates in Havering
London Borough of Havering does not publish its direct payment rates anywhere we could find. Your budget is set in your support plan, from the cost of meeting your eligible needs less anything you are assessed to pay yourself. Ask the council which hourly rate it used, because that decides how many hours the budget buys.
Hours for the money
What a weekly budget buys
A direct payment is a sum of money, so the useful comparison is how many hours of care it pays for. Move the slider to your own weekly budget.
Starts at ten hours a week at the agency rate. Move it to match the budget in your support plan.
- A self-employed carer on PrimeCarers13 hours
At £19.10 an hour. The typical rate near you, our fee included. The carer invoices for the hours, and that invoice is your record for the council.
- A local home care agency10 hours
At £25.00 an hour. The median published by 69 agencies near you. The agency sends whoever is on its rota.
Hours are rounded down to the half hour. Bank holidays are charged at one and a half times a carer's rate and Christmas Day at twice, so leave room in the budget for them. London Borough of Havering decides what your direct payment can be spent on, and your support plan is the final word.
Choosing your carer
Paying a self-employed carer in Havering
Direct payments in Havering work under the Care Act 2014. A direct payment can usually pay a self-employed carer your family has chosen, as well as a personal assistant you employ or an agency. We could not find London Borough of Havering's own wording on self-employed carers, so ask the direct payments team what it wants to see before anyone starts.
Councils tend to ask for the same few things before a direct payment pays a self-employed carer:
- the carer's employment status for tax, which HMRC's Check Employment Status for Tax tool on gov.uk works out in a few minutes
- proof that the carer is insured
- a DBS certificate
- an invoice for the hours worked, which becomes your record of how the money was spent
How direct payments work covers asking for one, what the money can buy and the records councils want back, and self-employed carer or employee? explains the tax question.
The council's arrangements
How direct payments are run in Havering
What the council publishes about paying the money, getting help and getting in touch. Each card links to the page we checked it against.
How the money is paid: Prepaid card
The council sets up a pre-paid account, which has your direct payment paid into it every four weeks, and you are given a card you can use for payments online, over the phone or in person.
Provider: EML Payments Limited
How the money is paid: Managed account
Instead of managing the money yourself, the direct payment can be paid to a payroll agency that handles payments on your behalf, with the cost met from the direct payment.
Where the council points you to find a personal assistant
Havering Council accredited Personal Assistant list (via the Personalisation and PA Liaison Team)
Worth knowing
The direct payment is paid into the pre-paid account every four weeks, which is thirteen payments across the year.
Worth knowing
There is no charge for the pre-paid account itself, but a lost card costs five pounds to replace.
Worth knowing
The council pays for employer's liability insurance when someone starts employing a personal assistant, and yearly renewals are built into the direct payment.
Who is available
Self-employed carers in Havering
241 carers are based within about 45 minutes of Havering. You can see their rates and experience, and message them, before committing to anything.
241 private carers are based within about 45 minutes of Havering
Filter by what they charge, who drives, who does nights, and who speaks your language, then message the ones you like. Free, and nothing is booked until you say so.
See private carers for HaveringIn their words
Families near Havering on the carers they chose
“She has gone above and beyond our expectations helping with everything, I would not hesitate to put your trust in her, she's a very genuine caring soul”
Joseph O., 2020
About Sandrine M.Carer based in Hornchurch · 2 reviews“She was always cheerful and looking for ways to stimulate my mother. She became her "friend" and provided best care always.”
Julie G., 2021
About Lynette V.Carer · 2 reviewsStep by step
Using a direct payment for a carer you choose
- Get the assessment and the support plan. The council assesses the care needed and works out the budget. Say at this stage that you want a direct payment and would like to choose your own carer.
- Check what the council allows. Ask the direct payments team whether it will pay a self-employed carer and what it needs to see from them.
- Find carers and talk to a few. Search carers near you, compare rates, experience and reviews, and message your shortlist. None of that costs anything.
- Agree the hours and rate in writing. Match them to the support plan, and keep within the budget once bank holidays are allowed for.
- Keep the records. Invoices and statements are what the council looks at when it reviews how the direct payment is being used.
Questions
Questions about direct payments in Havering
Usually, yes. A direct payment can pay a self-employed carer your family has chosen, employ a personal assistant, or buy agency hours. We could not find London Borough of Havering's own wording on self-employed carers, so ask the direct payments team what checks it wants before anyone starts.
We could not find a rate that London Borough of Havering publishes. The amount is set in your support plan, worked out from the cost of meeting your eligible needs, less anything the financial assessment says you pay yourself. Ask the council how it calculated the hourly figure, because that decides how many hours the budget buys.
Usually it buys more hours. Carers near you typically charge £19.10 an hour against £25.00 for agency care, so a budget worked out at the agency rate buys more hours from a self-employed carer.
In England a direct payment cannot normally pay the person’s husband, wife or partner, or a close relative who lives in the same household, unless the council considers it necessary. That is the direct payments regulations rather than this council's own rule, so ask the direct payments team how it applies it. Can my mum pay me to care for her? covers the other routes.
Only if you employ somebody. Paying a self-employed carer or an agency does not make anyone an employer. Taking on a personal assistant does, which brings payroll, holiday pay, sick pay, pension enrolment and employer's liability insurance. HMRC's Check Employment Status for Tax tool on gov.uk tells you which applies.
London Borough of Havering's direct payments team at [email protected]. If you do not have a social worker or care assessment yet, start with a needs assessment from adult social care.
Direct payments in nearby council areas
- Direct payments in Barking and Dagenham
- Direct payments in Redbridge
- Direct payments in Thurrock
- Direct payments in Newham
- Direct payments in Greenwich
- Direct payments in Bexley
If the care needed is mainly about health, the NHS may pay for all of it through Continuing Healthcare, decided by the NHS rather than the council. In Havering that is NHS North East London.
Council details were read from London Borough of Havering's published pages and checked against them on 17 September 2026. Councils change their rates each April, so check the linked page before relying on a figure. The local agency figure is the median of 69 agencies near Havering that publish a price. Carer rates are what carers near you advertise, read live.
Find a carer in Havering
See self-employed carers near you with their hourly rates, experience and reviews, and talk to the ones you like for free. Check with the council what your direct payment can pay for before you book.