Joint mortgage to single mortgage query

Zingara

I currently have a joint mortgage with Halifax for myself and my mother who lives with me. We are both on the house deeds.

She is now retired and the mortgage has always been paid from my salary (she paid a lump sum for the house in lieu of paying monthly).

Is there any reason why I can't apply for a mortgage on the property in my own right as we have now come to remortgage? She will still be living here, and her name will remain on the deeds. Thinking long term, if anything happens to either of us (i.e. if she needs to go into residential care) what would the situation be with the property?

She is happy for me to apply for mortgage in my own name but I want to make sure everything is covered first.

Thanks,

Karen