Loves to change answer (5)
I believe the answer is:
solve
'answer' is the definition.
(I know that answer is a more specific form of the action solve)
'loves to change' is the wordplay.
'to change' indicates an anagram.
'loves' is an anagram of 'SOLVE'.
(Other definitions for solve that I've seen before include "Work out answer to puzzle" , "Person living voluntarily outside their own country" , "Unscramble" , "Find the solution to puzzle or problem" , "Deal with (a problem)" .)