Bit of a weird one, I feel like I cant win either way.
So, my Aunt lives in another country (NZ) in a house that is in family trust, and is owned by "the trust" which says she can live there rent free for the duration of her life. When she dies, the trust becomes the property of me and my brother, so in essence we inherit this house.
My mother subsidises her quite a bit with day to day living expenses. My aunt gets a state pension, but it's not much, and my mother wants her to have a good standard of living and eating well etc, and generally not go without. My Aunt worked as a seamstress, minimum wage, retired at 60, never had much money or savings, and if relevant, she probably has Aspergers syndrome (she is textbook, but was never diagnosed, as they just weren't in those days). Whereas my mother had a successful career, baby boomer, property, decent pension etc. Which is why she subsidises her.
My Aunt has a difficult relationship with my mother. She has a sense of entitlement that things should be bought and paid for by my mother, things like trips over to see my mother in Oz, trips to the UK to see me (she has had 2 in the past). Recently she decided she wanted a new kitchen. The kitchen is pretty old, 1970's, but functional, and after some negotiations she convinced my mother to go halves with her, which my mother didn't have to do, but did anyway.
Today on the phone my Aunt told me that despite the money for the kitchen being covered by her and my mother, she had got a bank loan for "just day to day stuff...in case I need new glasses or something".
Mum would go spare if she knew this. She would explode. Mainly because she gives her enough to cover this kind of stuff. The loan goes until 2021 apparently, and I don't know how much she borrowed. The trouble is also, my Aunt is terminally ill. She has breast cancer, it has spread to her lungs and her bones, and she's doing well but in terms of prognosis, statistically she'd be doing well to have another 2 or 3 years left of her life. So it's likely the loan will outlive her, sadly.
From my point of view I don't mind if my brother and I sell the estate and pay off her loan with the proceeds in the event of her death. If this is even necessary - she doesn't own the house so maybe if she dies the loan gets written off. Who knows. Either way, it doesn't bother me if I end up inheriting this loan along with the house.
My mother would think I am incredibly unreasonable not to tell her about this, and I'm trying to work out why it would be unreasonable of me not to break her confidence. She's a grown woman, she has the status to get a loan or the bank wouldn't have given her one, she can basically do what she wants. That said, my mother is financially subsidising her so probably feels she'd have a right to know if she'd done something like this - probably because she feels she'd be left to sort it if the loan outlives my Aunt and partly because its not a very sensible thing to do, as it's not for something specific.
My Aunt swore me to secrecy but if my mother found out some other way, I could be drawn into a big kerfuffle. I guess its only if my Aunt tells my mother I knew, which would probably only happen in an argument type situation. Then I'm fucked. I suppose I could just deny all knowledge?
I can't tell my mum can I...AIBU? If you were helping someone out to such an extent financially would you want to know about this? I feel tainted now, like I'm carrying around a big secret...