Dh visited a very large well known mortgage firms rep at a local well known estate agent. We were sent the aip and much to our pleasure it was for a great figure. Very top end of what we felt we might achieve. We therefore went out and viewed houses based on this figure.....
Last night he popped over to fill out the paperwork as based on the info we had put an offer on a house. Turns out he had submitted dh info on the basis that he was a single man with no dependants, not married with two kids.
Apparently 'everyone' does this. It 'gets you money you wouldn't be offered otherwise', it's 'the only way you will get a mortgage and support your family' that 'no one checks it' and 'just say you split up for a while if you are asked any questions, how would they know?' The house would obviously have had to be in dh name only too. But 'if you did split then you just argue it in court and the wife gets it anyway'.
It's fraud. We were pretty stunned. We have taken it further (as in reporting it not accepting!) never expected it. Are there many such stories? Or have we hit gold dust with this slime ball?