Please dont worry about hijacking my thread. I found all of this very interesting. I can see from my original post that it looked like we would be using Mums money to pay for any bills, renovation of the house etc, but this is definitely not the case. We would take over all the bills, council tax etc and while there we would be renovating the property to a good standard. There is always a chance that Mums fees may have to be paid by her savings, but this would not cause a problem at all and we still would not have to sell the house for many years to come. We would only be living there temporarily until Mum passes and then the house will be included in her will.