My husband and I are getting older and are worried about losing the whole of the house to nursing home fees - is there anything we can do to avoid this?

This is only relevant if one of you dies and the survivor of you is living alone and has to go into a home.  Basically, you and your husband should each make Wills which say that when the first of you dies you give your half share of your house to your children subject to the survivor of you having the right to live in the whole of the house for the rest of his or her life.  This means that if the survivor of you needs to go into a home then only half of the value of the house is available for nursing home fees.

Note that if one of you needs to go into a home but the other remains living in your house then your house is disregarded.