Yes fortunately we have POA in place, before my mum's dementia set in.
With Cardiff there's a £330 set up charge, then no interest providing you pay back with 56 days of the end of the contract. The house is in a holiday area so we are renting it out to help with her funding, trying hard to avoid selling it as it's an investment for myself and brothers in the long run as well as generating income now.
Thank you