To report someone for possible mortgage fraud

[Wheredoistart78]

Is it fraudulent to not declare an existing mortgage in another country when you apply for one in the UK?

Op if you report him for mortgage fraud and you can’t take the mortgage on your own due to credit issues , then they will foreclose and take their money back

Unfortunately once a relationship breaks down the best thing to do is sell the property. You cannot hold him to the mortgage but you can have him removed from it.

Hang on! If you’re married and he owns another house can’t they force him to sell so his children’s aren’t homeless?

The lenders in the UK wont care, as they have a legal charge against the UK property and it doesn’t change their position now whether or not he has other debts or mortgages - as he either pays the repayments to them or doesn’t, if he doesn’t then they take the property as that’s their security.

Wheredoistart78 · Today 12:59

@Aprilx I think from my posts you can work out that I have a joint mortgage with someone that has left the country and taken out a mortgage in the UK

doesn't this read as they are not the other holder in the UK?

@Wheredoistart78 just had a thought! If you are married and he owns another house can't you take court action to force him to seek BOTH homes and you get your share? Which may well be more than 50% btw seek legal advice asap.

If you are still married would you not be entitled to half of his other property too?

I was wondering this. If the equity would offset the mortgage on your property in Ireland you could consider that nil and instead make a claim on his other property (is it possible to claim for payment for the children?).

Ignore potential fraud over the second mortgage for now and get some legal advice about what assets you would be entitled to if divorced.

Also op when speaking to a solicitor as her if you can claim his half of the mortgage payments back that you have covered for the duration of him not paying before any equity is released and split

I think that's the actual police

Also are mortgage breaks still a thing? Ask the bank.

Different lenders ask different questions and even then a lender might ask different questions for one mortgage product than they might for another one. So this person might have lied on the application or they might not.

TBH, as an ex bank manager, I wouldn't do much if I discovered this after the loan had gone through - as long as the applicant was meeting his monthly payments I would probably just turn a blind eye.

I'd say defrauding hmrc is defrauding us all . . .

There's the Hunters list. Once on it you're highly unlikely to be able to obtain a mortgage.

Having just done 3 mortgage applications I can confirm they do not ask for this information.

Just wanted to say Good luck for Tues x Things will get better x

It doesn't matter to the bank, all they care about is what assets they can seize if you default in the country you're borrowing in; they can't seize an overseas home so they don't care if you have a mortgage on it. So you can declare it but they aren't bothered.

I would be more interested in whether you are now entitled to half of his new property to be honest.

Neither us, nor the OP, knows whether that has happened.

@NoNameNoOne thank you very much ❤️

I understand OP. I am in a similar situation. You can't get divorced in Ireland unless you also make financial settlement. Like you , it did not benefit me . My ex is paying the mortgage so far but I know he can default at any time and he too could skip to UK and start again. But the mortgage is a joint debt and the banks are not fussy about who pays it. However , to have his name taken off the house and remortgage in your name is not possible without his consent. Also , unless you are a high earner , bank will be reluctant to give a single person a mortgage fir that amount.
It is indeed a mess. I am sorry you have to deal with this shithead who is also a low life absent father. Hope the appointment brings you some idea what you need to do. You are not the only one in this position and they should be able to guide you 🙏

@Neverinamonthofsundays if I get any clarity on this on Tuesday I will pop back to the thread

@DontMakeMeShushYou I would bet my life on him not having declared this property. I know him very well.

The loan he took out that is now registered against the house was a car he arranged to have stolen and burnt out.

The person that dealt with the claim was a personal friend of ours and I told him. He out his hands over his ears and send don't tell me anything. The time he arranged for that he was working abroad so was as far removed from that situation as possible so he couldn't possibly be blamed.

He really is a piece of shit.

He has a conviction for domestic violence which I doubt he tells anyone about either.

I really feel for you. I am also in Ireland and also married an abusive ex. He moved out and never paid a cent towards the mortgage yet in the divorce he tried to get half the marital house. I have since gotten him off the deeds and mortgage but he did not buy another house so not sure where you stand on that. Will look forward to your update. If nothing else we are here to listen to your frustrations and I am sure there will be many.

@Neverinamonthofsundays thanks so much ❤️ I hope Abhaile can help me. My biggest fear is that I will lose my house of course. I'll be doing it through mabs so hopefully I'll get somewhere. I've had a big cry this afternoon and feel a bit better.

Worst thing I ever did was marry him and buy a house together. It's a noose around my neck. And the housing crisis here doesn't help at all.

We just got a mortgage and I just checked it only asked about property in the U.K. on this form! (Major bank)