No i haven't. No i wouldn't.

But that's my situation not yours! Mine would be because i have siblings, as does my husband. It would cause tension within my family - even if we all live hundreds of kms away from each other.

Would it be an arrangement that would be necessary to mention in a will if say you or your mother (or both of you) were to pass away? (Not being horrible, but this is a consideration). Do you have siblings? Would they feel cheated that you get some sort of financial hand-up and they don't?

And your mother would benefit from it - she'd get to help you get ahead, perhaps the only way she knows how. That would obviously make her happy.