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It's been a that, BC. Sadly I am nearly her age but with the help of the internet I expect to muddle through. :)

That's what I was trying to say Lizzie but you said it better. :) FWIW the "advice" given on this thread has been excellent. Well done.

Think about what you just said: Retirees SHOULD own their house CLEAR AND UNENCUMBERED! You want to set her back. I know that on Somersoft having free equity is considered "a sin" but I had no idea this also applied to retirees. If your Mum were to borrow against her house to invest, she must...

Be VERY careful what you advise. The last thing your Mother needs is an investment property. IMHO