Look, I’m a bit worried about this mortgage, OP. It’s brilliant that you have it as another house to escape to, and I’d hate for you to have a nasty surprise. You do sound as if you have all your ducks in a row, but it would a right bummer if it went wrong, so…..
Is it a BTL mortgage? If so, you can’t live in it. You’ll be in breach of the mortgage conditions and they can and certainly will, evict you and repossess it for being in breach of the mortgage conditions, and he will tell them, won’t he! At the very least they will force you to change to a residential product and pay all the costs over again, AND the early repayment charges. Also stamp duty will be due on the purchase. Possibly second home stamp duty, which is bloody massive. Do you have funds to pay it? You really need to talk to the solicitor/broker/lender and find out what he’s told them, and also to instruct them to speak only to you, personally. Not whatever email he’s set up in your name (or however he did this). He might have told them it is to be your primary residence, if he has fraudulently applied for a cheaper residential mortgage in your name. In which case you can live happily in the property while sticking two fingers up at him. (although you will still have to fund the stamp duty, but it will be much lower)
Also, equifax doesn’t give a complete credit file. You need checkmyfile. He may already
have an account, as the mortgage broker often asks for it. The financial abuse here is much more concerning than the general twattery, and while I love that you secretly have the upper hand here, I worry that things could be more complex than you realise.
I think you need a solicitor to advise you. At this point, you don’t know what you don’t know, and they will have seen such twattery before and can advise you where else to look. Women’s aid might be worth contacting for advice, too.
Are you SURE he doesn’t know what you’re planning? You’re openly rebelling in small ways now, and that might cause him to look for bigger rebellions and ‘nip them in the bud’ (although he is clearly very arrogant, and might not believe it’s possible, I’d still be very, very careful here). As much as it pains me, I would play the long game here and capitulate to the ridiculous no-joggers and keyless entry requirements (with a show of reluctance) in order to conceal the house purchase plan. At least until you have the keys and the deeds in your name and know what the mortgage deal is. He must have SOME communication over the house you’re unaware of, or you’d have found out about it before.
I hope I’m wrong.