Father of three jailed for submitting false documents in mortgage application

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

Dean Masterson (34) submitted the false documents in an attempt to obtain a loan of € 220,000 so that he could buy a place to live for himself and his family.

The Dublin Circuit Criminal Court has learned that bank staff have become suspicious of the documents and no money has ever been paid.

Masterson of Stonebridge, Ratoath, pleaded guilty to deception and five counts of using a forged instrument at KBC Bank, Sandwith Street, in Dublin city center on October 20, 2016.

When applying for the loan, he presented a false salary certificate, a false payslip, a false P60 and two false bank statements.

Sentencing Wednesday, Judge Pauline Codd said bank staff became suspicious of the documents and opened an investigation. Masterson was found to have used five false documents during the request.

Justice Codd said the “premeditation and deliberation” during which the documents were obtained significantly aggravated the offense.

Previous convictions

She said Masterson had serious previous convictions between 2004 and 2012, which included robbery, attempted theft and theft. She noted that he had not had any other convictions since he had committed these offenses in 2016.

She said the fact that Masterson did not get the money was due to the work of the people at the bank. This is a “fairly sophisticated offense” for which there must be a deterrent, she added.

She said the mitigating factors were the accused’s guilty plea, expression of remorse and shame, history of drug abuse, adverse childhood experiences, work history and efforts to rehabilitate.

Justice Codd said she took into account his motivation for the offenses of wanting to obtain property for himself and his family. She acknowledged that this was her goal, but said “obviously this is not the right way to go about providing a home”.

She sentenced him to four years in prison but suspended the last three years on strict conditions.


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