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Hello, I hope you are well. My name is***** am a solicitor advocate and I will be assisting you with your question today. I am very sorry to hear of the problem you are experiencing and I will do my best to help you with this matter.
What you have done by falsifying the application is actually mortgage fraud. You are very lucky not to have been reported to the police and prosecuted for fraud.
The marker will remain on file for 6 years.
If your wife did not know that you committed the fraud in her name, she can write to seek to have this removed, but, if she did sign the application at any time then sorry to say that will also remain again for six years.
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Of the current mortgage lenders think she could have been involved then yes they could be at risk, she would need to take that up with the lenders.
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ypu can request a call and another expert may accept that
She would have to convince lenders that is what really happened and that she was not part of a fraud with you.
Sorry not a service I offer here, this is online advice.
Your wife would need to instruct a local law firm.
It may be helpful to instruct a local solicitor who specialises in this area of law. You can find a local firm using the Law Society website. www.lawsociety.org.uk
Once on that website, you can click on the find a solicitor option located just above the Law Society logo. Select quick search, then select the area of law required and enter your post code. A list of local firms will then be displayed.
As explained it will be there for six years.