Mortgage Fraud Defence Solicitors
Allegations of mortgage fraud can severely impact your personal and professional life - even before any formal charges are filed. At Holborn Adams, we specialise in pre-charge engagement, helping to get cases dropped early. With a strong track record in defending complex mortgage fraud allegations, we safeguard your freedom, finances, and reputation. Call us today.
When we act quickly, we get the best results defending mortgage fraud.
Holborn Adams are UK leaders in criminal defence, specialising in fraud. We’ve represented countless clients accused of mortgage fraud, involving high-value properties, false income declarations, and professional misconduct. Our directors are recognised by the Legal 500, a trusted guide to the top legal minds in the country.
We guide clients through every stage of proceedings, from the first signs of investigation to potential court appearances. Our proactive strategy focuses on early resolution, discreet crisis management, and where appropriate, voluntary disclosure to reduce legal risk. We regularly liaise with lenders, investigators, and enforcement bodies to de-escalate issues, and we partner with financial specialists to strengthen our defence.
Our mortgage fraud lawyers also assist with other challenges you may face, like contesting restraint orders and securing more flexible bail conditions - all with the goal of minimising your stress and life disruption.
As a private firm, we only defend clients for a fixed fee. Our fees allow us to dedicate more time and resources to your case than other firms who are stretched thin by legal aid cases. You will always feel supported by us, with client care unmatched by many other firms.
Mortgage fraud is a serious criminal offence that carries severe penalties. It carries a maximum of 10 years in prison and/or unlimited fees - the sentence is based on the scale of the fraud and your level of culpability.
Here are just some of the mortgage fraud issues we can defend:
- Misleading or false applications.
- Manipulating the value of the property to obtain a larger loan.
- Using someone else to apply for a mortgage on your behalf.
- Applying for multiple mortgages for a single property without disclosure.
- Professional misconduct e.g. submitting false documents, coaching clients to lie.
- Using undeclared funds for the deposit.
Nationwide Support
We take on clients across the UK
We have offices spread all across the UK (and even beyond!). We can represent you no matter where you are in the UK.
What we can offer
Extensive experience from successful cases.
Optional visits to your home to discuss case details.
Remote communications to save you travel time.
Ability to work to tight timescales to match the pace of the case.
Transparent pricing with fixed fees*
Our process
Our success-driven legal plan
This is how we onboard and support clients accused of mortgage fraud.
Enquiry call with a legal expert
Contact us for a confidential discussion about your situation. We’ll listen to your concerns, outline your legal options, and provide a transparent estimate of costs.
Case review and approval
Our team will examine the facts of your case and prepare a clear, fixed-fee proposal. Once you’re happy to move forward, we begin working on your defence straight away.
Strategy development
We’ll build your defence by consulting with financial experts and property specialists to identify weaknesses in the allegations and seek early resolution.
Representation
Whether you're facing interviews, inquiries from lenders, or full proceedings, we manage communications on your behalf and defend your interests at every stage.
Respected and trusted
As proud members of the UK’s largest legal sector governing bodies, we are a team you can put your full trust in. We adhere to strict industry regulations, so you can be confident your case is in safe hands.
Our legal services
How our mortgage fraud solicitors can help you
No two mortgage fraud investigations are identical. Our legal team takes a tailored approach, applying detailed analysis and early intervention to secure the best possible result.
Apply for varied bail conditions
If you’re subject to strict bail conditions or restraint orders affecting your assets or movement, we can appeal them to give you more freedom during the investigation.
Create a defence strategy
We examine the full context of your case, identifying gaps in the evidence, sourcing independent expert reports, and uncovering any procedural errors that may help dismiss or reduce charges.
Reputation management
We provide discreet reputation management, helping you manage public perception and protect your career, even before a formal investigation is launched.
Attend interviews
We’ll attend interviews with investigators alongside you, making sure you understand your rights and avoid saying anything that may inadvertently harm your defence.
Early resolution with police
If the evidence is weak or the investigation has procedural flaws, we take immediate steps to argue for the case to be dropped before formal charges are brought.
Convincing the CPS not to proceed
Should charges be filed, we prepare formal representations urging the CPS to reconsider. Our aim is to avoid court wherever possible and resolve the matter swiftly.
Independent reviews
Explore our Trustpilot reviews to see what our customers have to say about their experiences with us!
Hard work, determination and pure Grit!
Adam and his team are exactly who you would want defending you in any situation.
Acted promptly, extremely happy, will continue to use in future.
Holborn Adams limited acted very promptly following our first meeting. Over all I was extremely happy with them and will contuine yo use them In The future
Best firm out there, like my guardian angels!
I had the unfortunate experience of being accused of something that I didn’t do, I had never had an issue with the police before and the whole experience was daunting and sent me to a dark place and I felt lost. In step Holborn Adams, my first contact was w
Adam Rasul is stand-up, trustworthy, driven, over-delivers, goes extra mile.
Adam Rasul is one of, if not the most stand-up and trustworthy people I've had the fortune to know or work with. I trust him implicitly with all matters and he has always over-delivered. Adam is utterly driven to provide the highest level of service and best o
Amazing team, professional, punctual, faultless attention to detail, fantastic work.
Holborn Adams are an amazing team to work with professional & punctual in every aspect of working together. The care & attention to detail is faultless & having experienced this high level of service for a number of years I would recommend Adam & his team to a
Brilliant job, great knowledge, successful outcome, professional, highly recommend.
Holborn Adams represented me for my criminal case,and what a brilliant job he done,along with he’s team. Holborn Adams dealt with my case with great knowledge and understanding. He took the time to get to know me and everything surrounding the case. To which w
Adam is an exceptional attorney whose expertise and commitment unparalleled.
I recently had the pleasure of working with Holborn Adams, and I cannot recommend them highly enough. From the very first consultation, it was clear that this firm operates with the utmost professionalism and dedication. The owner, Adam, is an exceptional at
Easily the best in the business, couldn't recommend enough.
I have used Holborn Adams multiple times for advice and assistance - easily the best in the business.The support they have given me in comparison to other firms is above and beyond. I couldn’t recommend these guys enough!!
Excellent service and well worth the fees.
Holborn Adams expertly helped my 15 year old son after he got caught up with a group of youths misbehaving and causing criminal damage in a high street store. The store chain wanted to press charges and the police pursued the whole group under group enterpris
Adam is exceptionally good and knowledgable, a true professional.
I cannot thank Adam and all the staff at Holborn Adams enough for the service they provided. Adam is a real credit to the profession. Not only is he exceptionally good and knowledgable at what he does but he is also a true professional. Would highly recommend
Exceptional legal services and advice, expert knowledge, calm professionalism.
⭐⭐⭐⭐⭐Holborn Adams Solicitors and, in particular, Adam Rasul have provided exceptional legal services and advice. We have successfully used Holborn Adams expertise to help our business in a number critical areas and their expert knowledge and calm professiona
Extremely professional and supportive, always contactable. Highly recommend their services.
Holborn Adams is helping me out with a legal matter at present and i cannot praise them highly enough. Holborn Adams has been extremely professional and supportive and is always contactable. I highly recommend their services
Adam is truly a pioneer in our industry.
I am very inspired by Holborn Adams work ethos, dedication, commitment and vision. In a short space of time he has turned his company Holborn Adams from a small business to a Leading 500 firm, being a Lawyer with a small business myself I know how difficult a
Expert representation with high standards driven from the top down.
Attention to detail and expert representation are the hallmark of this firm with high standards driven from the top down. If you are in legal trouble and you need to ensure the best service possible to produce the best outcome then look no further.
Fay Ashton showed me a different perspective of criminal defense.
My experience with Holborn Adams was absolutely positive! I had a false allegation made against me and was arrested. Being from a different country and not having any criminal background, I didn't know what my rights were and was given the option of having
Adam offers genuine personal service and unwavering commitment to clients.
We've known Adam and Holborn Adams for many years now. I've Seen his business grow based on providing results for his clients. Adam offers such a genuine personal service and unwavering commitment to do his best. For me it his his caring genuine approach which
Extremely thorough and pedantic, asking all the correct questions.
We had utilised the services of this firm. The strategy and tactics they deployed enable my family members case to be nipped in the bud at an early stage. Extremely thorough and pedantic, asking all the correct questions at the right time. All the ingredients
First-rate, pro-active, personal, supportive legal service. Highly recommended.
It’s so hard to know where to turn if you find yourself in the gut-wrenching position of needing specialist legal help. After extensive research of top law firms I chose Andrew & Ria at Holborn Adams because I thought that not only would they deliver a first-r
Adam showed great patience and empathy, offering great advice.
Having found myself in the situation where I needed to seek out some legal advice I knew there was only one team to contact. I went for the best as I needed the best. Adam showed great patience and empathy with me. Working alongside Andrew, they both offered
Fantastic service from Holborn Adams. Great professional service.
Received a fantastic service from Holborn Adams. Great professional service
Great help all the way through, highly recommend.
very Knowledgeable, great help all the way through. wish i had got Holborn Adams involved at the start and things would of not gone so far!. would highly recommend.Thanks for all your Help
Adams professionalism and knowledge shone through on court day.
I would like to first thank Adam Rasul and the team at Holborn Adams for assisting one of my most important clients on a very delicate case and I can only say Adams professionalism and knowledge shone through on court day and put myself and my client at great
Great patience and empathy shown by Adam and Andrew.
Having found myself in the situation where I needed to seek out some legal advice I knew there was only one team to contact. I went for the best as I needed the best.Adam showed great patience and empathy with me. Working alongside Andrew, they both offered
Highly approachable and efficient, represented me more than I did.
I was catered for in a kind and understanding way. I was not made to feel bad about my situation despite my own shortcomings and mistakes. I found Holborn Adams and Emily highly approachable and efficient. They represented me more than I did myself. The price
All about their clients. Leading pre charge since day one.
Holborn Adams 24/7 accessibility. All about their clients. World renowned for solicitors and pre charge. If you care about winning this is the firm to be. No legal aid. Pure private with a formidable reputation. Leading pre charge since day one, not just an ov
Great service, highly recommend Holborn Adams for support.
I received great service. I would highly recommend Holborn Adams for the service and support they provide.
Highly recommend Natisha, a real credit to the company.
I highly recommend Natisha from Holborn Adams Solicitor, not only she's worked tirelessly with our case, she's just been amazing and professional.Natisha took our case back in September 2022, our lives has turned upside down but Natisha reassured us that eve
Andrew from Holborn Adams was fantastic. Highly recommend Holborn Adams!
Andrew from Holborn Adams was fantastic. Mostly importantly the outcome in my case was positive for myself which is hugely down to Andrew and the team at Holborn Adams. Andrew was both extremely professional and very proactive in his approach to my case. Andr
Highly recommend Holborn Adams, easily approachable and always willing to help.
I highly recommend Holborn Adams. I have mainly dealt with Adam and he is easily approachable and always willing to listen and help where needed. Personally Holborn Adams has supporting our amateur boxing club and events and always had time to spare.. Thank yo
Holborn Adams Mula is an outstanding advocate.
Five months ago, my son was accused of ‘taking and making indecent photographs of a child’. The child was his 17-year-old ex-girlfriend and her allegation hit our family like a grenade.I Googled “solicitor indecent images” on my phone and spoke to ‘Andrew Fo
Our Fees
Fixed fee defence
Our team will give you a free, no-obligation quote after your initial consultation. We offer a fixed fee service, free of any hidden extra costs. Our firm is exclusively privately-funded meaning we cannot accept any legal aid clients. Your fees secure you a top-tier team and top-tier treatment, covering
Dedicated, experienced legal team.
Ability to get your case dropped before charges.
Representation at interviews and court hearings.
Requests to vary bail conditions where required.
Negotiating with police or prosecutors
Referrals to various support services.
Frequently asked questions
Here are some answers to our most commonly asked questions - for tailored support with your case, please call us now for a free initial consultation.
You can make an enquiry call for free, but we cannot provide free legal advice. As a 100% privately funded firm, we offer defence services exclusively to paying clients. During your enquiry call, we’ll learn about your case, confirm whether we can help, and give you a rough estimate of costs. Your case details will then be shared with our team to develop an initial strategy and prepare a formal, no-obligation fixed-fee quote. If you choose to proceed, this fee will cover your full defence.
Yes - and it is our ultimate goal with all cases that come to us pre-charge. We believe in a proactive approach, working with you to build a defence that encourages prosecutors and the CPS to drop the case with no further action. Please speak to us as soon as you become aware there are allegations against you. The earlier you reach out, the better.
No - we are a 100% privately funded firm, meaning we charge a fixed fee for our services. We do not take on legal aid cases. We find that focusing on private cases only allows us to dedicate more time and resources to defending our clients to a much higher degree than firms who are stretched thin by intense legal aid caseloads.
The police use several methods to extract data from phones, depending on the level of access needed. Manual extraction involves physically navigating an unlocked phone to view messages, calls, and media. The police can also use software to extract data and make copies of specific files without altering the phone’s structure. In some cases, the police may also access cloud backups from services like Google or Apple with the appropriate legal authority. Advanced encryption on modern devices can make data recovery more difficult, but the police use forensic tools to bypass this where possible.
Yes - we are proudly accredited by the two largest governing legal bodies in the UK, the Law Society and Legal 500. We are also regulated by the Solicitors Regulation Authority.
Yes, when you call us, your call is 100% confidential.
Every case is different. After your initial consultation, we’ll determine which services are best for your defence, and calculate a fixed fee quote for you. The price depends on the complexity of the case, how long it will take, which team members are best for the case, and whether we need to instruct specialists. We do not charge by the hour - only a fixed fee for your whole defence.
We have a member of our legal team available to speak 24/7, 365 days a year. Whenever you need to speak to someone, you will be connected instantly. All calls are 100% confidential.