Man jailed for using fake documents in mortgage application

Man Jailed For Using Fake Documents In Mortgage Application
Passing sentence today, Judge Pauline Codd said Masterson said Masterson was found to have used five false documents during the application
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Brion Hoban

A Meath father-of-three who submitted false documents in a mortgage application for a family home has been jailed for one year.

Dean Masterson (34) submitted the false documents in an attempt to get a loan of €220,000.


Dublin Circuit Criminal Court heard that personnel at the bank became suspicious of the documents and no money was ever paid out.

Masterson of Stonebridge, Ratoath, Co Meath, pleaded guilty to deception and five counts of using a false instrument at KBC Bank, Sandwith Street, Dublin city centre on October 20th, 2016.

During the loan application he submitted a false salary certificate, a false payslip, a false P60 and two false bank statements.


Passing sentence today, Judge Pauline Codd said Masterson was found to have used five false documents during the application.


Judge Codd said the “premeditation and deliberation” in which the documents were obtained substantially aggravated the offence.

She said Masterson has serious previous convictions from between 2004 and 2012 and these include robbery, attempted robbery and theft. She noted he has had no further convictions since committing these offences in 2016.


Judge Codd said the fact that Masterson didn't actually obtain money was down to the work of the people in the bank. She said this was a “fairly sophisticated offence” for which there has to be a deterrent.

She said the mitigating factors were the accused's guilty plea, his expression of remorse and shame, his history of addiction, his adverse childhood experiences, his work history and his efforts to rehabilitate and live a pro-social life.

Judge Codd said she took into account his motivation for the offences of wanting to obtain a property for himself and his family of three children.

She acknowledged that this was his focus but said “clearly this is not the way to go about providing a home”.

She sentenced him to four years imprisonment, but suspended the final three years of the sentence on strict conditions.

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