The situation with regard to the joint ownership, even though she may have contributed the lion share of the deposit is that if there was no agreement to the contrary what would happen when the property was eventually sold, then the proceeds are split 50-50. There is case law to that effect which I must mention I do not agree with. This is of course assuming that there are no dependent children which, at 82 seems most likely.
Any mortgage that she pays when he is not living in the property would be taken into account in any final division of proceeds. Some lifetime mortgages require a payment some require no payment. I don’t know which this is.
He cannot remove him from the title unless he agrees either to go voluntarily or to be paid off. If he steadfastly refuses, the only alternative would be to sell the property.
If he is not living in the property, he is not liable for the mortgage or the bills but if there is a mortgage, and your mother stopped paying it, then he would be liable.
She cannot remove him from the property without selling it (unless he can sense as I have already said) regardless of what he has done or what heinous crimes he has committed.
Can I clarify any points arising from this?
Please rate the service positive. It’s an important part of the process by which experts get paid.
We can still exchange emails.