We study decompositions of G-equivariant K-theory for a large class of proper actions of Lie groups, when we have a normal subgroup acting trivially. Similar decompositions were known for the case of a compact Lie group acting on a space, but our main result applies to discrete, linear and almost connected groups. We apply this decomposition to study equivariant K-theory of G-spaces with only one isotropy type. We provide a rich class of examples in order to expose the power and generality of our results. We also study the decomposition for equivariant connective K-homology for actions of compact Lie groups using a suitable configuration space model, based on previous papers of the third author.