So Tim and Mary are happily divorced and in the agreement the house will be put in Marys name after the mortgage is paid off in another 10 years. Meanwhile both their names are still on the mortgage and the banks are no wiser as to the new arrangement. Tim is happily remarried in another country. Now Mary wants to fix the interest rate ahead of the upcoming downturn but the bank is asking for their addresses and if they still live together. What is the reasoning behind this? I