Mortgage fraud is a serious criminal offence carrying severe penalties, including imprisonment and financial consequences. If you or someone you know is under investigation for mortgage fraud, seeking expert legal representation is crucial. At Sahota & Sahota Solicitors, we have extensive experience in defending individuals and businesses facing allegations of financial crime.
What is Mortgage Fraud?
Mortgage fraud occurs when false or misleading information is provided during the mortgage application process to obtain a loan under false pretences. The prosecution of mortgage fraud cases has increased in recent years, with law enforcement agencies and financial institutions taking a firm stance against fraudulent mortgage activity.
If you are facing an investigation or criminal proceedings for mortgage fraud, you need urgent legal advice. Call 01162 555155 now to speak to our experienced solicitors.
Common Types of Mortgage Fraud
Mortgage fraud can take various forms, including:
- Income Fraud – Overstating income on a mortgage application to secure a larger loan than would otherwise be approved.
- Occupancy Fraud – Claiming a property will be owner-occupied when it is actually intended as a buy-to-let investment.
- Equity Skimming – Purchasing a property in someone else’s name, collecting rental income, and then defaulting on the mortgage without making payments.
- Property Flipping Fraud – Buying a property and quickly reselling it at an inflated price, often with the help of a complicit valuer or surveyor.
- Straw Buyer Schemes – Using someone else’s identity or financial details to secure a mortgage.
- Concealed Debts – Failing to disclose outstanding loans, liabilities, or financial commitments in the mortgage application process.
- Title Fraud – Illegally transferring ownership of a property using forged documents and then remortgaging or selling it without the true owner’s consent.
How Mortgage Fraud Investigations Unfold
Mortgage fraud cases typically arise from investigations by banks, mortgage lenders, the Financial Conduct Authority (FCA), the Serious Fraud Office (SFO), or the National Crime Agency (NCA). These cases often involve detailed forensic accounting, document analysis and digital evidence.
Authorities take a zero-tolerance approach to mortgage fraud, and prosecutions frequently result in criminal convictions, asset confiscation and significant reputational damage. If you are under investigation, it is vital to seek immediate legal advice.
Our Expertise in Mortgage Fraud Defence
At Sahota & Sahota Solicitors, we understand the complexities of mortgage fraud cases. Our team of skilled solicitors has successfully defended clients accused of serious financial offences, ensuring the best possible outcome.
Sundeep Kumar, Senior Consultant Solicitor, explains: “Mortgage fraud investigations can be complex. The authorities often conduct lengthy enquiries before bringing charges. Seeking legal advice at the earliest stage can make a significant difference in the outcome of a case.”
Kally Sahota, Director, adds: “Many individuals facing mortgage fraud allegations had no intention of committing an offence. Sometimes, errors in mortgage applications or reliance on financial advisors lead to unintentional misrepresentation. We work tirelessly to protect our clients’ interests and ensure a fair legal process.”
Why Choose Sahota & Sahota Solicitors?
- Experienced Defence Team – Our solicitors have a track record of successfully defending complex fraud cases.
- Strategic Legal Approach – We analyse every detail of your case and develop a strong defence strategy tailored to your situation.
- Discreet and Professional Representation – We understand the impact fraud allegations can have on your reputation and career. Our approach prioritises discretion and professionalism.
- 24/7 Legal Support – Mortgage fraud cases can escalate quickly. Our legal team is available around the clock to provide urgent legal assistance.
Contact Us Today
If you are being investigated for mortgage fraud or have been charged with an offence, do not delay in seeking legal advice. Early intervention can be crucial in securing a favourable outcome.
