parent buys daughter a house.

max123

Please can anyone give me some sound advice? My elderly mum is about to go into residential care, this results in social services taking her property (mortgage all paid) in order to pay care fees.

If my mum moved in my council house with me, can she sell her property and let me buy mine with the money, i would also need to take her savings(£18000) and £14000 of my sons who is only 16 yrs old?
In return I would become my mothers full time carer. and no, unfortunately I couldnt go to work as she does need full time care. We would both be on benefits, mortgage free.
my mum is elderly and would have let me inherit it anyway.
i would have to pay my son back, when i no longer need to care for mum. please help. we all in a panic.

davilown

How about using the money to take you off benefits?

ViolaLass

Why would you have to take your son's savings into consideration? What if he wants to use them?

dmg24

ViolaLass wrote: »

Why would you have to take your son's savings into consideration? What if he wants to use them?

I'm guessing she is worried they might affect her attempt at benefit maximisation!

Soot2006

ViolaLass wrote: »

Why would you have to take your son's savings into consideration? What if he wants to use them?

I understood it that she needs all the cash to buy the council house

-- obviously the son would need to agree to this. At 16 he is entitled to make decisions as to his savings.

Essentially you'd be leaving work in order to look after your mother instead and need a) somewhere to live and b) assurance that no one will follow you for any cash in the future?!

ste_coxy

it is possible however, there is a something known as deprivation of assets that local authorities use to crawl back money when people deliberately deprive themselves of their savings/assets when it comes to needing personal care from social services.

www.ageuk.org.uk/.../deprivation-of-assets-in-the-means-test-for-care-home-provision/ -

check it out

lin473

Sounds like a good solution if you feel able to care for her 24/7
This is easier said than done if she really does need round the clock care.
After all she would rather be looked after by you than by strangers.

Have you considered whether you would be able to keep her entertained as well?
Many care homes arrange activities and outings and are a very sociable place to be.
Looking at 4 walls and your face all day and every day may turn out to be a trial for both of you and turn sour very quickly!

As for the deprivation of assets thing - that would surely depend on what you intended to claim.
If it was just carers allowance and child tax credits plus your mum's income,I don't see the problem.

shegirl

Wow,I would NEVER do that with my sons savings.

As said,unfortunately it may be possible.But you need to be sure with yourself about why you are doing it and whether you will be able to do it (and how the hell are you going to pay back your sons 14 grand savings while claiming benefits????)

Ps how much is her house worth if you'll need to take another £32 grand to buy a council house??????

zzzLazyDaisy

Why do you have to buy your council house?

If your mum sells her house and moves in with you, she will have the capital from her house, and her savings. If she is unwell enough to need 24hr care, she should be able to get DLA or AA depending on her age, and you would get carer's allowance, plus child tax credits and child benefit.

Your mum would be able to contribute to the family income from her capital, without having to sink the whole lot into your house, and you wouldn't need to touch your son's savings.

On carer's allowance you are allowed to earn up top £93 a week, so once things settle down it might be possible for you to get a part-time job (say if your mum attends a day care centre) or you may have a skill that you can use to earn money working from home.

clairecymru

Can't you move into your mums house and look after her there?

max123

First thank you everyone who replied to my question. secondly you are right to say that my son may want his savings, he is nearly 16 and this money was from his late father. i would however need his money and my mums to afford my house. My son could have a vested interest in the house, and when im gone its his anyway. I could also get an evening job and loan to pay my son back. Say 14000 over 14 years. my father has said i will see you ok, in what i inherit off him. der ( getting desperate now, but true ). without both my mums savings and my sons we cant afford the house. I would be making myself unavailable for work and caring for mum, who does need 24/7 care and is desperate to live with me and not go in a home. firstly i am doing the state a favour looking aftewr mum instead of them doing it, will save the social services a fortune long term, and mum would have all her prayers answered. it may sound greedy, but its either me or social sevices that have it, and mum wants me to have it and to live in my house,with her own room. incidently if i let mum down or it doesnt work social services will take my house to pay for mums care, regardless of it being in my name, as it was mums money that would have paid for it. the worst bit is using my sons money, i couldnt ask for a better son, but when i die i have nothing to leave him, this way he inherits my whole house, one day. and is very likely to get his money in the next ten years as well. if i really believed i was doing mum or my son an injustice , i would forget it, and stick her in a home!