Parents signing house over to me

p00hsticks

Confusedplum said:

Cressida100 said:

I don't think your mum should be making any life changing decisions any time soon. She's acting out of anger (and grief) at the moment. 

 She just wants to make sure I’m protected in the long run. 

But it is not sensible for her to do that by removing her own protection. 

From what you say, her concerns about the property are currently focused on what happens after she is dead - she needs to be focused on what is in her own best interests while she is alive and that is having the property in in her own sole name, which you suggest your father is prepared to go along with.

Owning the property she lives in gives her maximum security while living there, and a valuable financial asset if she ever decided to sell it for any reason.
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Living in a property owned by someone else, even if that is a child they wish to protect, takes away her security and leaves her vulnerable to her home being lost if the child gets into financial difficulties or predeceases them.

And if the child is not living in the property with her it is a bad move for them financially for the various reasons mentioned by bosbster2 above.