Report abusive ex for mortgage fraud?

[Fairisfair123]

I was married to a coercive and financially abusive man. He is a high earner, but continues to refuse to pay school fees as a control mechanism and is evading child maintenance. My lawyers have commented that he is one of the most vile humans they have ever come across. He won’t be happy until he has brought me to my knees as I try to raise his child. That’s the context.

He’s lied to his mortgage company. Should I shop him anonymously?

Yep! And enjoy every minute.

What has he lied to them about? Mortgage companies tend to require proof of most things.

I’m worried about any consequences for me - there’s a lot of wisdom on here, so just wanted to hear about possible scenarios.

I’m not named on the mortgages.

Converted a house to HMO on residential mortgage. Used rental income as part of subsequent mortgages.

I have a pile of proof.

My initial reaction was "hell yes", but my more measured reaction is speak to your lawyers.

Also, what will you gain from it and what do you risk. Only do it, if it's worth it to you. The past is the past.

No I don't think this would be a wise move. Who would be interested in this and is he even doing anything illegal he could be prosecuted for.

Yea. Providing false information to a mortgage company is a criminal offence.

I’d get satisfaction.

The lender will be interested in the HMO but they may not recall the debt.

Using the rent for subsequent purchases not so much unless he falsified the rent or didn’t declare if for tax (then hmrc would be interested).

Did he follow all the correct HMO licensing procedures?
Did he declare the rent correctly to HMRC?

What mortgage is he on now? If he's now on a buy to let mortgage for a HMO I can't really see his current mortgage provider or his previous providers really caring to much about how he got to that point.
But in fairness I know very little about mortgage fraud or how it's policed.

Still on a residential. Lender specifically said they don’t offer HMO mortgages.

There’s also another mortgage, where he provided documentation that has potentially compromised my legal position. He won’t provide me with that info.

So you helped the fraud before but now want to use it to ruin him. I think it will backfire.

I believe that not disclosing information when there is a legal duty to do so is an offence under the Fraud act . If you are named on the mortgage you probably have a legal duty to disclose any information that you consider should be shared with the mortgage company.