If you're getting a mortgage to buy your mother's house, then the lender usually wants to know if the house is being passed between family members.(posted 8578 days ago)What you are proposing is possible, but I would suggest that you and your mother see a solicitor - go to a multipractice firm - one that deals with trusts as well as conveyancing. They'll be able to sort everything out so that you and your mother are protected in the future.
Pendle