Something also to consider would be, if the person needed to go into a nursing home in the future would you consent to the HSE having a charge on the property also? or if the loan was of such a value that it maybe caused an issue with the HSE, if might be a bit of an issue with the family? I know there would be signed legal agreements, but eat bread soon forgotten and all that...!
This is a great point. If your answer is no it could be perceived as grasping even though you'd be well within your rights. more potential family drama.
We're seeing the value of AAM in conversations like these.