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Mortgage Fraud

Protecting your Home and Livelihood

We help individuals facing Mortgage Fraud allegations with expert legal advice, challenge the evidence and avoid serious consequences.

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Mortgage Fraud Defence Solicitors
Strategic Advice
Client-Focussed
Proven Record
Strategic Advice
Client-Focussed
Proven Record
Strategic Advice
Client-Focussed
Proven Record
Trusted Mortgage Fraud Defence Solicitors

Defence

Tools

Mortgage Fraud Defence Specialists

Mortgage Fraud cases often begin with a lender, broker or investigator questioning information in an application. The issue may be income, employment, deposit source, valuation, purchase purpose or who knew what when the mortgage was submitted. 

With a team of skilled mortgage fraud specialists, Ashmans Solicitors are here to assist, whether:

  • You’re under investigation or facing charges for Mortgage Fraud. 
  • You want to protect your rights and ensure the investigation is handled fairly. 
  • You need clear legal advice on mortgage records, financial evidence and next steps. 

With Ashmans, you do not have to deal with the process alone. We help you understand the allegation, preserve important documents and respond carefully. 

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Standing Firm Against
Serious Financial Allegations

Our Mortgage Fraud Solicitors keep you informed, explain your options and prepare a careful defence around application details, intent, disclosure and financial evidence. 

  • We understand the pressure these allegations can bring. 
  • We review mortgage applications, bank records, valuations, communications and lender material carefully. 
  • We challenge unsupported assumptions about dishonesty, false information or financial gain where the evidence allows. 
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Mortgage Fraud and the Law

Under England & Wales law, mortgage fraud is primarily prosecuted under the Fraud Act 2006 and, where relevant, the Proceeds of Crime Act 2002. It involves making false representations or failing to disclose key information during a mortgage application with the intent to obtain a financial advantage.

  • Submitting false income or employment details to secure a loan.
  • Misrepresenting property value or purchase purpose.
  • Using another person’s identity or documents in an application.

  • Knowingly made a false representation or failed to disclose material facts.
  • Intended to gain money or property, or cause loss to another.
  • Acted dishonestly within the meaning of the Fraud Act 2006.

Investigations may involve the police, CPS, FCA, HMRC, financial investigators, lenders and digital evidence. Evidence can include bank statements, mortgage applications, valuation reports, emails, messages, broker files, conveyancing records and witness statements. 

Our Mortgage Fraud Solicitors review the evidence carefully, including application history, intent, disclosure, source of funds, valuation evidence, communications and how the investigation has been handled. 

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Discover related offences, articles, FAQs, and case results within this practice area.

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Essential actions against accusations

From the moment an allegation is made or an investigation begins, your response can affect the case. Follow these steps: 

Act fast, engage Ashmans, protect your future. 

Call 24/7 for Urgent Advice

Do not contact lenders, brokers, investigators or anyone connected to the allegation without legal advice, and avoid commenting online. 

Even if you believe the matter is a misunderstanding, do not speak to police or investigators without your solicitor present. 

Ashmans can provide urgent advice on investigations, interviews, mortgage records and next steps. 

Keep mortgage applications, bank statements, payslips, broker correspondence, valuation documents and communications that may support your defence. 

Comply with any conditions imposed and allow your legal team to manage the defence strategy. 

How It Works

Three Simple Steps
to Your Defence

01

Initial Consultation

We assess the allegation, mortgage records and immediate risks. 

02

Strategic Defence Planning

We review financial evidence, application documents and disclosure. 

03

Expert Legal Representation

We represent you in interviews, hearings and court proceedings where required. 

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Book Consultation

Our Testimonials

Real stories. Real results.

See how Ashmans has supported clients facing Mortgage Fraud allegations and other Fraud and Financial Crime matters. 

Brilliant Support and Peace of Mind

My experience with Ashmans Solicitors was excellent from start to finish. They were reliable, professional, and always available to address…
Stella Joseph

Outstanding Outcome in Proceeds of Crime Case

I was facing a serious proceeds of crime case where the authorities were seeking over £200,000. Ashmans Solicitors worked tirelessly…
Tony Gardner

Flaw Found, Case Dismissed: Expert Legal Defence

I was facing a serious VAT fraud charge and decided to change my legal representation to Ashmans Solicitors — and…
K Desai

Extraordinary Defence Leading to Case Dismissal

I was charged alongside several others in a fraud case, and it was one of the most stressful times of…
Al Amin Shourov

Remarkable Support and Dedication in Fraud Case

I had a really good experience with Ashmans Solicitors. Their commitment and effort went far beyond my expectations, and I…
Gurtej Singh

Remarkable Support and Advice in My Fraud Case

Facing money laundering charges between February and August 2019 was one of the most difficult times in my life. Throughout…
Emad Qbeia

Unwavering Support and Expertise in Fraud Case

I was facing one of the most challenging times in my life when my business and personal circumstances turned upside…
Lafontaine Isaac

Trusted Expertise Leading to a Full Acquittal

Can only speak positively about my experience with Ashmans Solicitors. They were recommended to me after I received a court…
Scott Jennett

Remarkable Support During a Devastating Ordeal

During one of the most devastating experiences of my life, Ashmans Solicitors provided unwavering support when I needed it most.…
Jade W.S

Reliable and Professional Legal Support

I found Ashmans Solicitors to be completely on-point and highly professional throughout my case. Their expertise and straightforward approach gave…
Ifnaz Khan

Outstanding Support and Professional Representation

I couldn’t have asked for a better legal representative. Ashmans Solicitors truly believed in my case and made a difficult…
Minhaj Ali

Expert Legal Defence That Turned My Case Around

I was falsely accused after my ex-business partners staged a blackmail attempt, leading to false allegations of sexual offences and…
I.Khan

Relentless Defence Leading to Justice

I was wrongly charged with conspiracy to pervert the course of justice and sent for trial at Manchester Crown Court.…
Michael Gabriel

Outstanding Legal Support in Serious Drug Case

I turned to Ashmans Solicitors when my sister was charged with conspiracy to supply Class A drugs. From the very…
Paula

Exceptional Expertise in Complex Criminal Fraud Cases

As a barrister with over 20 years of experience handling complex and high-value criminal fraud matters, I have worked alongside…
Abdul S Iqbal Barrister

Relentless Commitment and Professionalism in Complex Cases

I have worked with Ashmans Solicitors on several high-profile and complex criminal cases, and their dedication to their clients is…
Ahmed Nadim Barrister Barrister

Clear and Honest Legal Guidance

I really appreciated how Ashmans Solicitors handled my case with clarity and honesty. They spoke to me in a straightforward…
Iain Simpson

Brilliant Representation Leading to Not Guilty Verdict

I want to express my deepest gratitude to Ashmans Solicitors for their exceptional handling of my fraud by misrepresentation case,…
Kaur Singh

Above and Beyond Legal Support and Service

I received excellent service from Ashmans Solicitors and couldn’t be more satisfied with the support they provided. Their professionalism and…
Comfort Night

Exceptional Legal Support and Top-Tier Service

I can confidently say that Ashmans Solicitors are the best solicitors I’ve worked with. Their professionalism, dedication, and top-quality service…
Haych Star

Move Quickly,
Choose Wisely

When facing a Mortgage Fraud allegation, delay or poor advice can expose you to serious consequences: 

  • A criminal conviction can affect your career, finances and future opportunities. 
  • Confiscation proceedings or property-related penalties may affect your financial position. 
  • Long investigations can create stress, uncertainty and reputational harm. 
  • Custodial sentences may apply in serious Mortgage Fraud cases. 
  • A conviction can affect credibility, regulated roles and financial standing. 

You’re not alone, we’re here to help.

Protect Your Future Today
Contact Best Mortgage Fraud Defence Solicitors

Mortgage Fraud

The Ashmans Approach

At Ashmans, we act fast by providing expert Mortgage Fraud defence to protect your rights and assets.

01

Police Interviews

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  • Attend interviews and advise before any account is given. 
  • Review disclosure and mortgage evidence before questioning where possible. 
  • Challenge unfair questioning or unsupported assumptions where appropriate. 

02

Bail Conditions and Modification

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  • Challenge restrictive bail terms that affect work, travel or family life where appropriate. 
  • Prepare applications to vary conditions where needed. 
  • Advice on compliance while the case continues. 

03

Pre-Charge Engagement

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  • Submit representations to investigators or prosecutors where appropriate. 
  • Provide supporting financial or property evidence before charge where it assists. 
  • Address application history, intent or disclosure issues where the evidence supports it. 

04

Mortgage-Related Criminal Orders

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  • Advise on restraint or confiscation issues under the Proceeds of Crime Act where relevant. 
  • Address property, accounts and financial restrictions linked to the allegation. 
  • Use financial or accounting evidence where needed to explain the position. 

05

Trial Representation

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  • Prepare the case with counsel and financial experts where needed. 
  • Challenge lender, broker, valuation or witness evidence where appropriate. 
  • Present a clear defence based on records, intent and context. 

06

Sentencing and Post-conviction

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  • Present mitigation where conviction follows. 
  • Address cooperation, restitution, character and personal circumstances where relevant. 
  • Advise on appeal, confiscation and post-conviction issues where appropriate. 

Mortgage Fraud

Why Choose Ashmans Defence?

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Proven Record

Experience in Mortgage Fraud and financial crime cases. 

Mortgage Law Experts

Defence in complex lending and property-related fraud cases. 

24/7 Legal Support

Immediate help when urgent advice is needed

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Our Notable Cases

Serious charges, Successful results.

Our Mortgage Fraud Solicitors have represented clients facing financial crime allegations and related proceedings. See examples of our work and outcomes. 

Urgent Legal Assistance

Get Urgent
Legal Support Today

Do not delay if you are facing a Mortgage Fraud allegation or financial crime investigation. 

  • Expert defence against mortgage fraud and financial crime allegations.
  • Responsive 24/7 legal support when it matters most.
  • Strategic defence solutions tailored to the details of your case.
Get in Touch Now

Fraud and Financial Crime

Frequently Asked Questions

Mortgage fraud occurs when false information or dishonest representations are used to obtain a mortgage or financial advantage. Under the Fraud Act 2006, offences may include fraud by false representation, failing to disclose information, or fraud by abuse of position.

A conviction for mortgage fraud can result in serious penalties, including substantial financial penalties and imprisonment. Depending on the circumstances and severity of the offence, sentences can reach up to 10 years in prison under the Fraud Act 2006.

Our experienced team provides comprehensive legal support at every stage of the investigation. From representation during police interviews to developing robust defence strategies for court proceedings, we work tirelessly to protect your rights and pursue the best possible outcome.

If you are involved in a mortgage fraud investigation, it is vital to obtain legal advice immediately. Avoid discussing the matter with anyone except your solicitor and never provide statements to investigators without legal representation.

Yes. Providing false or misleading information on a mortgage application may amount to fraud if it is done dishonestly to obtain a financial advantage. However, genuine errors or misunderstandings may form part of a potential defence.

Yes. Mortgage brokers, advisers, solicitors and other professionals may face prosecution if they knowingly participate in or facilitate fraudulent mortgage applications or transactions.

Yes. Allegations may involve buy-to-let investments, valuations, deposit sources or undisclosed financial arrangements. 

Yes. A conviction can affect employment, regulated roles, professional licences and reputation. 

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Locations

Every Court.
Every Police Station.
Ashmans has got you covered.

With offices across England and Wales, you can access the right Mortgage Fraud Solicitor and legal specialist wherever you are. 

Dewsbury Sheffield Leeds Huddersfield London

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