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Yes, I think they would agree as long as their interest is not effected.

You will probably need your lender's permission to allow someone to place an unregistered mortgage over the property. But it shouldn't affect serviceability.

If your mum as paid part of the deposit and/or the repayments then she would have an equitable interest in the property. She may protect this interest by lodgding and caveat and you could enter into a mortgage with her which could be registered or unregistered. She should get legal advice.

I think you are confusing loans and mortgages - 2 different things. A mortgage is a charge over the title to the property. If you don't legally own property you cannot legally give a mortgage over the property. But there is a branch of law known as equity which considers not registered interests.

You have to seek legal advice. If she doesn't borrow to pay you the interest won't be deductible. You basically need to enter into a contract of sale with mum, she has to pay stamp duty, you need a new loan application, discharge the existing mortgage and enter the new mortgage. you may...