Mortgage Fraud

Mortgage Fraud Allegations
Criminal Defence Lawyers

If you are under investigation or facing charges for mortgage fraud, it is essential to seek immediate legal advice.

At Shield Law, we specialise in defending individuals and businesses accused of financial crime across England and Wales.

Our experienced criminal defence lawyers provide strategic, discreet, and robust representation to protect your rights and reputation.

Mortgage Fraud - Defence Solicitors

What is Mortgage Fraud?

Mortgage fraud is a type of financial crime involving intentional deception to secure a mortgage loan under false pretences. Under the laws of England and Wales, such offences may be prosecuted under the Fraud Act 2006, the Theft Act 1968, or other financial crime legislation. Mortgage fraud can be committed by individuals, professionals (such as brokers, solicitors, or surveyors), or organised criminal groups.

Common types of mortgage fraud include:

Occupier Fraud

Where the buyer misrepresents their financial circumstances (e.g., inflating income or concealing debts) to qualify for a mortgage they otherwise wouldn’t receive.

Buy-to-Let Fraud

Involving false claims about the intended use of a property—such as claiming the property will be a primary residence when it is intended for rental.

Valuation Fraud

Where the value of a property is deliberately exaggerated, sometimes with the help of a complicit valuer or surveyor.

Identity Fraud

Using another person’s identity or false documentation to obtain a mortgage.

Professional Facilitation

In some cases, solicitors, accountants, or mortgage brokers are accused of knowingly facilitating or failing to prevent fraudulent transactions.

Penalties for Mortgage Fraud

Mortgage fraud is a serious criminal offence in England and Wales. If convicted, you may face:

A custodial sentence (potentially several years, depending on the scale of the fraud)

Confiscation of assets under the Proceeds of Crime Act 2002 (POCA)

Disqualification from practising in regulated professions

Reputational damage and financial ruin

Why Choose Shield Law?

At Shield Law, we understand the complexity and sensitivity of mortgage fraud allegations. Our criminal defence team has extensive experience in:

Representing clients in FCA and police investigations

Responding to dawn raids and search warrants

Handling multi-agency prosecutions (including HMRC, NCA, and SFO)

Preparing compelling defence strategies based on documentary evidence, expert witnesses, and procedural irregularities

Mortgage fraud is often prosecuted under broader statutes such as fraud, forgery, uttering false documents, and conspiracy to commit fraud.

Complex and Serious Crime Solicitors

If you or a loved one is facing serious criminal charges, don’t wait to seek legal help! Contact

Criminal Defence Specialists

Our friendly and professional team is here to help!

0113 238 5125

[email protected]

Mon - Fri 9am - 5pm

Request Consultation