My wife recently purchased a property with the intention that the family move there. Her 2 children from a previous marriage and myself. She has a 80% deposit, but inadequate income to meet serviceability requirements. The Mortgage broker requested a letter from me stating that I cover the monthly expenses and would continue to do so, which I provided, stating in the letter that I was aware it would be used by the bank. I am not a party to the loan. The mortgage has not been advanced yet. Some major issues materialized in the last week that make it impossible to stay with my wife and we are in the process of separating. We do not have an ANC and there is no obligation for me to make any financial contribution to her bank account. Do I have an obligation to tell the bank and mortgage broker of the change in circumstances (of our separation). What are my risks if I don't advise the bank?