I am living in a house owned by my mother. The house is left jointly to my sister and I. When my mother dies does the house have to be sold for her estate to be shared between my sister and I? My sister already has a house but I have no other property. My mother is in a nursing home and part of her fees are being paid in a deferred loan agreement against the house, which will need to be paid back when she dies.
Unless your mother has other assets to pay the nursing fees then the executor will have to sell it to discharge the liabilities before the rest is distributed according to the will.
You could of course raise a mortgage to pay off the deferred loan agreement, but unless your sister agrees it will have to be sold.