Ex wife applied for mortgage using my details

Kate504

Hi there,

My husband and I went to our bank recently to close down an old credit card, only to be told the somewhat surprising news that he has a mortgage on a property with his ex-wife!! We have discussed this with her and she admits that when they divorced 6 years ago she bought a new house but simply transferred the details over, thereby keeping my husband’s salary and details on the application. She is now prevaricating over removing him from it. My concern is that this this is not only potentially mortgage fraud but it will have implications for our own mortgage application which we hoped to submit in the next few months.

Any advice would be greatly appreciated!

Neutrinno

Yes it is mortgage fraud and would have huge implications for your own mortgage application. Have your bank advised on how best to deal with this or has your husband spoke to his previous lender who he's named on this mortgage with?

foxy-stoat

You may have to pay additional Stamp Duty for the second home until he can get his name removed...on the plus side he may get some money when/if his other house is sold !

MEM62

Based on your post I would consider it as mortgage fraud. You need to report it asap. The long-term knock on effect on you should be minimal as an innocent party.

AnotherJoe

yep, agreed raise a formal complaint with the lender, this is going to be very serious for the ex and police could well be involved.

Carrot007

Neutrinno wrote: »

Yes it is mortgage fraud and would have huge implications for your own mortgage application.

Unless you fully go to the relivent authorities and press this as fraud. Then you are distancing this from yourself and should be able to clear it. Might take a while though.

beckysheffield

People can get mortgages without signing in person with ID?

Carrot007

AnotherJoe wrote: »

yep, agreed raise a formal complaint with the lender, this is going to be very serious for the ex and police could well be involved.

The police must be involved if you want no issues to yourselves.

Carrot007

beckysheffield wrote: »

People can get mortgages without signing in person with ID?

Yes. ID is required though. Presumably she had access to some. For a re-mortgage or with the same bank processes can be less stringent. Depends when it was taken though. Should be harder these days.

davidmcn

beckysheffield wrote: »

People can get mortgages without signing in person with ID?

Deeds etc can be signed at home.

How she got past anti-money-laundering checks for ID at the solicitors etc is another question, but not inconceivable that she might have had copies of ID for him and/or correspondence still in joint names.

But in any event I expect this involved several forged signatures, so not exactly the most "innocent" example of mortgage fraud. He might want to check what else she's been up to.

Browntoa

beckysheffield wrote: »

People can get mortgages without signing in person with ID?

My thoughts exactly , doesn't sound right

Even if porting the mortgage I'm sure the standard ID checks etc would be required by the solicitor when the purchase was made