What am I supposed to do?

So this is the situation:
We were told by our advisor that Laura could go on the deeds to the house which would mean that she owned a portion of the house. This is apparently untrue. This leaves Laura with no protection whatsoever.
We have three ways out of this.
1. We amend the mortgage agreement. I can't believe that we can get this done for free. Mortgage lenders will charge you for anything they can.
2. We create a contract between me Laura and Reece outlining everything to protect everyone. This means more legal fees.
3. We stay as we are. Laura is not protected and we do the whole thing on trust. Being husband and wife you would have thought that this might be an option but unfortunately it isn't.

So we are basically stuck in a situation where we will almost certainly have to pay more fees just to get this mess sorted out. I will know more after I speak to our advisor this afternoon (if I can actually get hold of him).

This would all be so much easier if I had the support of my loving wife but unfortunately all I can rely on from her is "what do you want me to do about it?"

How great is that?