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Keeping a dependant from the bank

tonyw28 · 2013-04-21 15:12:32

Hi, I've recently been enquiring about getting a mortgage. I am going it alone. I was originally quoted a certain figure by my bank which suited me but then when I went to another bank any they quoted 40k less. With the second bank they had asked did I have a dependant and I told them I had a child. My bank had not asked…

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21-04-2013 4:12pm

#1

tonyw28

Registered Users Posts: 6 ✭

Join Date: April 2013

Posts: 5

Hi,
I've recently been enquiring about getting a mortgage. I am going it alone.
I was originally quoted a certain figure by my bank which suited me but then when I went to another bank any they quoted 40k less. With the second bank they had asked did I have a dependant and I told them I had a child. My bank had not asked this the first time round. I've since found out that having a dependant affects the figure they can give you.
So my question is, what are the consequences of lying to my bank if they ask me if I have a dependant? If I say no, is there a way they can find out and also what happens if they do find out? Can they cancel the mortgage (if previously been approved). Could they do me for fraud?

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#2 21-04-2013 4:33pm
BuffyBot

Registered Users Posts: 24,924 ✭✭✭✭

Join Date: February 2002

Posts: 23571

Please read the forum charter, specifically the part about "No Dishonest Dealings."

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