Wait, I don't know what you mean by "1/3 of house stuck in trust." You'll need to send me more details. But be advised that you can only take out a RM on a house that you and your spouse (both over age 62) own. And it must first be used to pay down the mortgage balance -- that is, the amount you can withdraw will depend on your equity after mortgage. I'm not quite sure this fits your situation -- Please re-post with more details.