Nc as quite outing.
Mil is early 60s, sil early 30s. 3 years ago they jointly bought their council home together that they'd lived in for the previous 20 years.
Sil was single at the time, mil was worried if anything happened to her and they were still renting that sil would end up homeless.
Mil has since had a stroke and needs alot of adaptations to make the current home accessible. Sil has also since met her partner and is now pregnant due in December, her dp also has his ds 2/3 nights per week so come December there'll be 5 inc baby in the property.
It's a 2 bed property and relatively small. Mil has applied to the local council for a bungalow but is getting nowhere due to being a homeowner. We've bid on flats within care home type settings too but again, getting nowhere.
Now if they sold then there wouldn't be enough equity to buy anywhere else for sil as the property value was quite low when it was bought and hasn't increased much. She also wouldnt be approved for a mortgage on smp i'd imagine. Sil also took a high ltv to replace the kitchen etc at the time. Mil would also never get a mortgage so her share would just stop her benefits for a time until it was used up, but again she'd also be homeless. Or the council are saying she'd be making herself homeless. I don't think she'd pass the financial assessment for a private rental either.
Mil needs new accommodation. She can't work, so receives universal credit of about 600, then we're waiting for her pip to be approved which will be another 700/800 we're hoping.
Sil can't move out as rent prices are 2.2x her mortgage cost and she's going onto mat leave.
I just can't figure out a way to get around this. Social services/ occupational therapy are more than happy to assess the current property but not to recommend rehousing. Council will not budge on the band allocation. We can't take mil off the mortgage or deeds because then it's intentional homelessness.
Feels like times running out and we are getting nowhere. Any ideas gratefully received!