The organisation of mortgage frauds: an empirical insight into the social networks of organised crime groups involved in mortgage and property fraud in the UK

Gilbert, Jonathan and Levi, Michael ORCID: https://orcid.org/0000-0003-2131-2882 2025. The organisation of mortgage frauds: an empirical insight into the social networks of organised crime groups involved in mortgage and property fraud in the UK. Trends in Organized Crime 10.1007/s12117-025-09567-3

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Abstract

This article examines the role of organised crime groups (OCGs) in the organisation and commission of mortgage and property related frauds. Whilst conventionally in criminological and policing studies, serious and organised crime has been associated with the commission of violent, gang and drug-related crimes, there is an increasing focus on the collective and facilitative role that motivated offenders and ‘professional enablers’ like lawyers and accountants have in the commission of financial crimes for gain. This article utilises case studies and social network analysis (SNA) of police-defined OCGs to identify the ties criminal actors have with other ‘members’ and broader connections. It considers causal agency and the social relations that exist within the OCG that support highly organised and sophisticated operational dynamics necessary to the commission and reproduction of organised fraud. In addition to a review of the current literature, empirical data was collected from regulatory enforcement proceedings, criminal prosecution files, trial transcripts, witness statements and interviews with law enforcement, regulators, victim-lender participants and lead members of mortgage and property fraud OCGs. SNA is used to show how members collectively share motivations to plan and co-ordinate criminal behaviour for financial gain, communicate and collaborate on both an ongoing enterprise and individual project basis, and how recruitment strategies, based on kinship, support resilience and the ability to reproduce organised fraud. Examining the social network of mortgage fraud OCGs, including biographies, roles, responsibilities of members, including professional enablers and straw persons and the ties and interactions between them, will assist in understanding mortgage fraud. In particular, they will show how these individual, proximal and causal factors fit within the broader, macro- crime facilitative environment in which mortgage and property related frauds are organised and are capable of being reproduced.

Item Type:	Article
Date Type:	Published Online
Status:	In Press
Schools:	Schools > Social Sciences (Includes Criminology and Education)
Publisher:	Springer
ISSN:	1084-4791
Date of First Compliant Deposit:	1 August 2025
Date of Acceptance:	12 June 2025
Last Modified:	01 Aug 2025 16:15
URI:	https://orca.cardiff.ac.uk/id/eprint/180158

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