Hi, thank you for your question.
-How much is the home worth?
-What is the amount of mortgage on the property?
-Who else lives there and how old are they and do they have any disabilities?
Will it be a permanent move to a care home?
Thanks for confirming. If the decision is to put her in a care home permanently, based on the information you have provided unfortunately her home will be taken into account in the means test and as the home is worth over £23,250 she will need to pay the full care home fees - if she can do this from other assets or savings then she will not need to sell her home. If she cannot then unfortunately she will need to consider selling the home to fund the care home fees.
I appreciate that this may not be the answer you would have hoped for but if you found my information provided helpful please could you rate my response positively using the stars at the top of this page as I will not be credited for my response without a positive rating.
My name is ***** ***** I have been a solicitor for more than 30 years
Was this a Right to buy purchase?
What percentage discount was obtained
Was a Declaration of Trust made at the time of the Purchase?
Can you prove that you funded the purchase?
So there was a 60% discount roughly?
Then the first point to make is that 60%of the equity belongs to your mother in any event - although you can claim credit for half of the money you have spent on the structural improvements.
Protecting the other 40% will require a specific Order from the Court of Protection confirming their agreement that you have a claim on the property
You are most welcome I hope all goes well