Direct paymentsRochdale
Direct payments in Rochdale
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.
190 self-employed carers within about 45 minutes of Rochdale
An hour of care in Rochdale
- A self-employed carer near youTypical rate on PrimeCarers, our fee included
- £19.00
- Local home care agenciesMedian of 19 agencies nearby that publish a price
- £27.50
- The council’s personal assistant rateFor someone you employ yourself, from December 2025
- £16.67
A budget worked out at the agency rate buys more hours from a self-employed carer. Employing a personal assistant costs less an hour again, but makes your family the employer. What a weekly budget buys each way is set out below.
What the council pays
Direct payment rates in Rochdale
These are the rates Rochdale Borough Council publishes for direct payments, with a link to where each one appears. Your budget is set in your support plan and can differ from them.
| What the rate is for | Rate | Applies | Source |
|---|---|---|---|
| Transitional funding payment on top of the personal assistant rate for existing recipients | £3.00 an hour | payable up to April 2027 | rochdale.moderngov.co.uk |
| Cash budget funding for a personal assistant (new recipients) | £16.67 an hour | from December 2025 | rochdale.moderngov.co.uk |
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 PrimeCarers14 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 £27.50 an hour. The median published by 19 agencies near you. The agency sends whoever is on its rota.
- A personal assistant you employ16 hours
At £16.67 an hour. The council’s rate for employing someone yourself. Your family becomes the employer, with payroll, holiday pay, pension and insurance to arrange.
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. Rochdale Borough 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 Rochdale
Direct payments in Rochdale 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 Rochdale Borough 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 Rochdale
What the council publishes about paying the money, getting help and getting in touch. Each card links to the page we checked it against.
What the scheme is called
In Rochdale you will see it called the Cash budget.
How the money is paid: Managed account
An approved accountancy provider can open and run a bank account in the recipient's name and make the payments to personal assistants and HMRC on their behalf.
Worth knowing
The cost of a Disclosure and Barring Service check for a personal assistant is met by adult social care outside of the cash budget allocation.
Worth knowing
The council has agreed that £260,000 of savings will be put into a fund each year, used case by case to support recipients who, because of complex needs, have to pay a personal assistant above the Real Living Wage.
Who is available
Self-employed carers in Rochdale
190 carers are based within about 45 minutes of Rochdale. You can see their rates and experience, and message them, before committing to anything.
190 private carers are based within about 45 minutes of Rochdale
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 RochdaleIn their words
Families near Rochdale on the carers they chose
“Primrose is a very kind and compassionate healthcare professional”
Marion L., 2026
About Primrose N.Carer based in Oldham · 3 reviews“Ewa adapted extremely well to all these changes, intuitively understanding what my mother needed and how to help her with comfort, through her pain, and most importantly enabling quiet peace of mind”
Goldman S., 2024
About Ewa P.Carer based in Manchester · 2 reviews“I found Ellie to be kind caring compassionate and punctual and a heart of gold. I felt comfortable in Ellies care.”
Roy A., 2025
About Ellie W.Carer based in Bury · 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 Rochdale
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 Rochdale Borough Council's own wording on self-employed carers, so ask the direct payments team what checks it wants before anyone starts.
Rochdale Borough Council publishes £16.67 an hour for a personal assistant for from December 2025. The full list, with links to where the council says so, is on this page. Your own budget is set in your support plan and can differ, for example if your needs include nights or two carers.
Usually it buys more hours. Carers near you typically charge £19.00 an hour against £27.50 for agency care, so a budget worked out at the agency rate buys more hours from a self-employed carer. If your budget was worked out at the personal assistant rate of £16.67, it buys fewer.
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.
Rochdale Borough Council's direct payments team on 0300 303 8886 or 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 Oldham
- Direct payments in Bury
- Direct payments in Tameside
- Direct payments in Manchester
- Direct payments in Salford
- Direct payments in Calderdale
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 Rochdale that is NHS Greater Manchester.
Council details were read from Rochdale Borough 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 19 agencies near Rochdale that publish a price. Carer rates are what carers near you advertise, read live.
Find a carer in Rochdale
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.