Thanks for your question.
Action needs to be ta***** ***** before your mother going into care. The closer to the person going into care the less chances you have of successfully avoiding the local authority from making a successful claim against the property.
You will not lose the home but you can end up losing the vast majority of the equity in it.
If care is imminent and your mother transfers the property thus to circumvent the regulations the local authority can seek an order that the transact be classified as a deliberate deprivation of assets.
This means the local authority can still have a claim on the equity in the property.
Do note that due to the probability of care in the near future any deliberate attempt to avoid the payment of fees is a criminal offence.
If your mum 8s likely to go into care anytime soon then it is too late. The fact you have paid the mortgage is irrelevant, I am afraid. I am sorry to say that it is potentially too late to take action to prevent a successful claim by the local authority.
Do you have any queries or questions in respect of my answer. I am happy to assist further.
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