Direct paymentsRedbridge
Direct payments in Redbridge
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.
283 self-employed carers within about 45 minutes of Redbridge
An hour of care in Redbridge
- A self-employed carer near youTypical rate on PrimeCarers, our fee included
- £19.00
- Local home care agenciesMedian of 79 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 Redbridge
Redbridge Council 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 £19.00 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 79 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. Redbridge Council 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 Redbridge
Direct payments in Redbridge 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 Redbridge Council'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 Redbridge
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: Other arrangement
The council's own option is a prepaid direct payment online bank account, loaded by the council four weeks in advance and accessed through a managed account provider.
Provider: PFS
How the money is paid: Separate bank account
A recipient can instead have the direct payment paid into a separate bank account opened specifically for the direct payment.
How the money is paid: Managed account
A managed account provider can receive the money and handle wages, agency fees and HMRC payments, and the council recommends four providers although a recipient may use another one.
Help with running it
Self Directed Support Service. The council's Self Direct Support Service provides support to people who have been offered a direct payment, and the team will explain the process in detail so that the service is tailored to the person's needs.
Worth knowing
At present the council does not offer the prepaid card option, but it intends to consider this option in the future.
Worth knowing
Uncommitted money in the direct payment bank account should not normally exceed the equivalent of 8 weeks of your direct payment amount, and the council will seek to recover uncommitted or unaccounted money beyond an 8 week payment period.
Worth knowing
Records of direct payment spending must be kept to allow for quarterly monitoring by the council, and you will need to keep these records for up to 7 years and make them available to the council when requested.
Who is available
Self-employed carers in Redbridge
283 carers are based within about 45 minutes of Redbridge. You can see their rates and experience, and message them, before committing to anything.
283 private carers are based within about 45 minutes of Redbridge
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 RedbridgeIn their words
Families near Redbridge on the carers they chose
“I found this "Talking Therapy" very uplifting and very therapeutic.”
Louis L., 2020
About Edward K.Carer based in London · 3 reviews“Stephen went above and beyond to do everything possible to make sure my dad was as well looked after as he could possibly be and put our minds at easy by sending us very detailed feedback at the end…”
Matt A., 2025
About Stephen N.Carer based in Ilford“Her kind and competent approach lifted a lot of the pressure and enabled us to take care of our father in his own home, as we wished.”
Vin C., 2026
About Ana R.Carer based in IlfordStep 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 Redbridge
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 Redbridge Council'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 Redbridge Council 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 £19.00 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.
Start with Redbridge Council's adult social care team, whose direct payments page has the current details. If you do not have a care assessment yet, ask for a needs assessment first.
Direct payments in nearby council areas
- Direct payments in Barking and Dagenham
- Direct payments in Newham
- Direct payments in Havering
- Direct payments in Hackney
- Direct payments in Greenwich
- Direct payments in Haringey
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 Redbridge that is NHS North East London.
Council details were read from Redbridge Council'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 79 agencies near Redbridge that publish a price. Carer rates are what carers near you advertise, read live.
Find a carer in Redbridge
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.