This topic has been covered many times, and Dan is (as always) 100% right.
A personal financial emergency does not mean losing a deposit, missing out on a super sale, a substitute for advance planning, etc. The penalty is potentially 3 years to rescend the loan. Just because the bank says OK, it is not the final decision. Examiners can cite the bank if they feel the case is weak, so can the court.
Integrity. With it, nothing else matters. Without it, nothing else matters.