I moved in with my mother last year to support her through cancer treatment (she has the all clear) and we have decided to make it permanent. Problem is her house is tiny. Mum owns her house worth about 450-500,000 and is 72 and retired. She is on the pension and has some money in The bank. I have an IP (negatively geared at the moment) which I took some equity out of last year to 80%lvr I think it has risen again in value. I have also just had a baby an am on paid maternity leave. We really need to extend mums house so it works for us both and the work will be about 150,000. We could rustle up $30,000 between us but would need to fund the rest. I owe about $240,000 all up on my ip and equity release. How can we fund this? I will be able to make repayments once I go back to work ? Before? I also am not sure Where (if anywhere) I stand legally if she needed to sell to go into a nursing home. Do we have any options or would we be better off selling and buying elsewhere and both going on the title (reluctant to do this as we love where we live).?