One final question, should we let Mum's IP know what we plan to do?
Thanks again for all the advice - very much appreciated

Thank you for the replies, I really appreciate the comments as we have been going round and round on this one with the best way to tackle it. Melanie - how do we go about getting a 'charge over the property' as this option does seem the easiest as it will have the least impact on Mum's IVA as the in...

My mother has an IVA which has about 18 months to run. She and my Dad still have an interest only mortgage which needs to be paid at the end of this year. Their ages mean that it is impossible to get an extension on the mortgage (both are 70 plus) and they have no savings at all with which to pay it...