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Thank you for your question
My name is Clare
I shall do my best to help you but I need some further information first
How much is the house worth and how much is outstanding on the mortgage
Who currently lives there?
When the house was put into joint names what was the agreement about the shares you would each have
For clarity - you did NOT sever the joint tenancy?
In the event that your mother goes into a home then the Local Authority will insist on the property being sold - with the proceeds being divided equally between you and your mother.
If she dies then the house will revert into your name
I hope that this is of assistance - please ask if you need further details
It has not been severed - if it had been then the only difference is that on your mother's death her share will be given in accordance with the terms of her Will or intestacy.
I am afraid there is nothing you can do to protect your mother's share from the Local Authority
Then it would not be sold immediately - but the Local Authority would want what they had paid out repaid when it was sold
It is not that simple I am afraid - but you have a better chance of you are living with her - and stay there until she dies in the Nursing home
You can do that - but the local Authority will view it as voluntary deprivation of assets
No they cannot stop you doing it - but they will refuse to fund your mother until they assess that she would have depleted her share down to £16,000,
If your mother does not have mental capacity you cannot change the mortgage unless she has given someone Lasting Power of Attorney or a Deputy has been appointed