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Oracle, Do you agree that cross collat with a parents security is the way to go?

Hi RH, My day job is dealing with family finances/structuring in the business and HNW space, so I do have some experience to qualify what I am about to say. You need to untangle your mother from your loans. People don't realise if things go pear shaped which they could, you never know...

RH, a few questions for you to consider before moving forward. What do you want to achieve and when by? The cross sec with your mum, Is this ideal? What is the risk minimisation strategy here for her? What is your risk minimisation strategy for prolonged time off work/sickness or retrenchment