Mortgage/Loan possibilities with a CCJ

JStaints

Hi, Looking for advice, I’m feeling that my situation is impossible . 

After leaving a very bad personal relationship I moved in with my brother, he’s happy for me to stay here for the time being I pay him what I know is a very low rent. 

Our mother has lived in the same LA rented property for 60 years and so, in order for me to have somewhere longer term to live has agreed to buy the property through the help to buy scheme. The purchase price is £30000. I have £15000 available in cash and would need to raise the rest through a loan/mortgage ( though I would not be the owner, mum would, so could I get a mortgage on a house I wouldn’t actually own ? ) 
I also have a CCJ which will be discharged March 2022... otherwise my payment record is clear, I have no outstanding credit other than Car insurance, very little on C cards. Would a mortgage broker be my best bet ? Thanks in Advance 

kingstreet

You would need to reside in the property for twelve months before you could be included in the RTB as no, you can't mortgage a property you don't own. Joint borrower, sole proprietor facilities don't extend as far as RTB either.

JStaints

Thank you, so could I provide the money, via savings/cash/ loan, for mum to buy, and for her then to be the legal owner ?