Hi David - it's legal advice you need here really to decide on what your loan enables you to do and how best to protect it
If you Mother is willing then a legal charge might be one option to consider -
Registration of legal charges and deeds of variation of charge (PG29) - GOV.UK
Or a Notice or Restriction -
Notices, restrictions and protection of third-party interests (PG19) - GOV.UK
Land registration is complex, designed to protect legal and financial interests in property. There can be significant consequences for any error. Please consider seeking legal representation. Before making an application without legal representation, it is important to
consider the benefits of using a conveyancer.