Fraud and Financial Crimes
Mortgage Fraud Defence Solicitors
Mortgage Fraud is a financial crime where a person has fraudulently obtained a loan, usually by making false representations to the lender.
Facing mortgage fraud allegations?
What Constitutes Mortgage Fraud in the UK?
Mortgage fraud is a financial crime where a person allegedly obtains a loan in a fraudulent manner, usually by making false representations to the lender. Since 2008, UK mortgage lenders have become stricter with their borrowing criteria, making mortgages more difficult to obtain. This has led to increased fraudulent mortgage applications, with income misrepresentation being a significant factor.
Property investors and professionals such as surveyors, mortgage brokers, financial advisors, accountants, and solicitors can face lengthy, complex, and stressful investigations. Establishing whether mortgage fraud was committed intentionally (through misinformation or omission) or accidentally can be difficult. While mortgage fraud prosecutions were relatively rare in the past, there has been a significant increase in such cases over the last few years.
Mortgage fraud is usually detected when lenders notice unusual circumstances or behaviour. Common red flags include:
- Multiple re-mortgages and sales of the same property.
- Unexplained significant increases in the purchase price.
- Involvement of third parties in the sale (e.g., deposits paid by a third party, sales proceeds paid to a third party instead of the seller).
- Inconsistencies in the mortgage application, including discrepancies in personal or financial information, unexplained funding sources, unusual payment arrangements, fabricated documents, and irregular property valuations.
- Undisclosed personal or business relationships among parties involved in a transaction.
- Rushed transactions or unusual conveyancing practices, such as instructing a solicitor in a different part of the country.
We Offer Experienced Mortgage Fraud Representation
Holborn Adams’ Mortgage Fraud lawyers have successfully represented countless clients, often ending investigations at the early stages of the enquiry. We believe “prevention is better than cure.” However, if a charge is handed down, we will defend our clients throughout the entire criminal process.
If you are being investigated for mortgage fraud, we advise you to contact us as soon as possible so that we can provide case-specific legal advice. A criminal record can have severe consequences for your career, family, and future. However, we know that many of those faced with prosecution for mortgage fraud are of good character and have never faced criminal allegations before. We will fight on your behalf!
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.
Trusted by clients
Top-rated legal defence and client care
Our clients feel supported, not just in their legal defence, but as individuals facing challenging times. We provide expert representation as well as the guidance, emotional support, and resources they need, which is why we consistently receive glowing reviews.
We’re here to help
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.
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.
We have hundreds of client testimonials listed on our website, in addition to reviews on independent review platforms TrustPilot, Google Reviews, and Review Solicitors.
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.
When you phone us, you’ll have an initial consultation with a member of our legal team on a completely confidential basis. They will listen to your case and may ask additional questions to get as much detail as possible so the team can decide whether they are the best fit for you. We cannot give exact costs, a timeline, or suggestions on how to proceed in this initial call.After this, they will give your case details to the rest of the team and someone will be in touch with you with a no-obligation fixed fee quote for representation, and some ideas for next steps (such as pre-charge engagement, police interview representation, and similar). It is then up to you whether you’d like to accept the quote and proceed to formally instruct Holborn Adams.
Yes, your initial phone consultation is free of charge. After this, we will give you a free, no-obligation fixed fee quote for using our services.
Yes, when you call us, your call is 100% confidential.
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.
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.
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.
To decide whether any firm is best to handle your case, you should be asking yourself some key questions:
- How are they funded? - We are a privately funded firm meaning we take on cases for a fixed fee, with no options for legal aid. Some firms are legal aid only or a mix of private defence and legal aid. For the highest level of attention and case preparation, you are best seeking a 100% private firm like us, as we are not stretched thin by a caseload of Government-funded cases.
- Expertise - Our solicitors have diverse experience defending every type of criminal offence. We are, however, specialists in pre-charge defence, fraud, sexual offences, and regulatory investigations, so if your case falls under these categories, we are confident we can secure the best outcome for you.
- Location - We have offices all over the world. We can travel to you and offer remote conferencing services to make things easiest for you.
- Reviews - Our client testimonials speak for themselves. You’ll see hundreds of glowing reviews on our website, as well as on independent review sites like Review Solicitors, Google Reviews, and TrustPilot.