After soul searching, researching and getting excellent advice and support on here, the decision on house versus flat is finally made. I phoned the Alzheimer’s Soc helpline as advised and also Admiral, and it is clear that I would be wrong to take the flat as, if Pauline is struggling now imagine the future where even carers would struggle to assist her bathing never mind increased risk of trips and falls.
Based on that we will stay here in our house and, again after telephone advice and given I have full POA, I am allowed to use a reasonable amount of her savings for her safety, wellbeing and comfort including an extension. I was advised to consult with SS if possible and I will wait for them to catch up with me on the long list of applicants but get some access issues sorted extra banister and front door ramp and grab rails Asap. Thank you all and wish me well when I tell the respective family members the news!