I suggest you speak to a solicitor (some offer 1/2 hr free advice) now that the Care Act is in force it’s very clear… Carers are to be supported!!
The LA may be looking for funds from mum’s house later so releasing equity is an option – your local Carers Support service would possibly point you in the direction of more honourable equity release companies? Or Age UK would offer advice? You may have to apply to the courts for permission if you do not have Lasting Power of Attorney?
It would also be useful to speak to a Financial Advisor accredited by the Society of Later Life Advisors http://societyoflaterlifeadvisers.co.uk/
You’ve a lot on your plate Suzanne and the Care Act has highlighted the need to support ‘unpaid’ carers – if you’d like to send me the ‘eligibility criteria’ for support of carers email me at askJill@crsdoctors.com