Life changing decisions
Sorry to hear this news
I wouldnt borrow off your ex.
Have you got equity in your home? Some financial institutions will lend in that and you repay on when you pass away.
Can one of your sons become a half owner of your home and he gets a loan?
The decision is yours but for me I'd sell, go to the UK, support your sister and rent upon your return.
Your home is near your sons..
I understand where your standing and yes it is a difficult choice to make, however you've bought a house which will leave to your sons when the time comes, so no I wouldn't be selling it, but you need to work on getting your card debts done, and if need be go to one of these places that advertise on telly about reducing your debt, you need to be on a plan.
If you went back to London and as much as you want to you won't be able to help your sister, only the doctors can do this.
I would hook up to skype where you and your sister can talk, it's going to be very sad if she doesn't improve and for that, I'm really sorry, but there's not much you can do, and I say that with my kindness of hearts towards you.
You would miss your 2 sons dearly and if this happens then you are most likely to become depressed, stay home, pay off some debt and plan for your sons future. Geoff.
This is the beauty of having many champions here for a variety if opinions.
Geoff wisely had great ideas. Now that you've ecposed you have 50% equity the sky is the limit. Seek a financial adviser for some refinancing ideas. Interest rates might be different than whst you currently have.
Skype as Geoff said is a top idea.
If you werent close to her emotionally dont expect too much of yourself i.e visiting for long periods.