[Sir Trev]

Just to make it more complex you also need to consider:

- stamp duty thresholds - if your mum sells to you just below one you may be judged to be avoiding tax
- will this be your mums "second home"? First homes are not subject to CGT but second homes and investment properties are
- different allowances available for couples - you did not mention your mums situation in that regard
- are you sure you will be able to get a mortgage in a year's time? Even if you're (hopefully) working by then lenders may be reluctant until you have more work history

and so on...

This is a potential minefield. Go and speak to an independant financial advisor - it will be a short meeting and will not be expensive. It may well save you a lot of grief and cost later.