High riskEmail Scams

Mortgage Statement Email Scam

This scam emails a fake mortgage statement, payment issue, or rate-change notice from your lender, linking to a fake login page that captures your mortgage account and banking credentials.

Quick verdict

Risk level
High risk
Scam type
Lender impersonation phishing
Main red flag
A mortgage statement or payment email linking you to log in to your lender account.
What to do first
Do not use the link. Log in through your lender's official app or website.

What this scam usually looks like

This scam emails a fake mortgage statement, payment issue, or rate-change notice from your lender, linking to a fake login page that captures your mortgage account and banking credentials.

Example message pattern

Example pattern — not a real report
Example pattern: 'Your mortgage statement is ready, and a payment issue needs attention. Log in to review: [suspicious link]'

This is a fictional, anonymised example used to illustrate the pattern. It is not a verified real message, and any names are used only to show how the scam typically reads.

Red flags to watch for

  • A statement or payment-issue email with a login link
  • A login page that is not your lender's official site
  • Pressure about missed payments or rate changes
  • A sender address that is slightly off
  • Requests for banking or account details

What to do

  • Log in through your lender's official app or website you open yourself
  • Verify any notice within your genuine account
  • Report the email as phishing and delete it
  • Call your lender using official contact details if unsure

If you already clicked or replied

  • If you entered your login, contact your lender and change the password
  • Change your online banking password from a trusted device
  • Review your mortgage account for changes
  • Watch for follow-up impersonation contact

What not to do

  • Do not log in through mortgage email links
  • Do not share banking or account details via the link
  • Do not let payment-issue warnings rush you

Similar scams

High risk Email

Bank Statement Email Scam

This scam emails a fake 'your e-statement is ready' or 'review your statement' notice impersonating your bank, linking to a fake login page that captures your online banking credentials.
High risk Bank & Payment

Mortgage Broker Scam

In this scam, a fake mortgage broker or lender promises guaranteed approval or unusually low rates regardless of your credit, then charges upfront 'arrangement', 'insurance', or 'lock-in' fees for a loan that never materialises.
High risk Bank & Payment

Real Estate Wire Fraud Scam

During a property purchase, criminals who have gained access to a hacked estate agent, solicitor or title company email account send fake or 'updated' wiring instructions. The aim is to divert your deposit or closing funds into an account they control. Because the email appears to come from a trusted party at exactly the right moment in the transaction, these messages can be very convincing. Always verify any payment details by phone using a number you already know.

Frequently asked questions

Does my lender email me a login link?
Lenders may say a statement is ready, but you should log in through the official app or website directly, not via an email link.
The email looked official. How can I tell?
Check the sender and avoid the link. Genuine statements are accessible by logging in to your real account, where you can confirm any notice.
I entered my login. What now?
Contact your lender, change your password from a trusted device, review your account, and watch for follow-up impersonation contact.
How do I read my mortgage statement safely?
Open your lender's official app or type its web address yourself, and view statements within your account.

Last reviewed: June 2026

Disclaimer: This page provides educational information only to help you recognise common scam patterns. It is not legal, financial, cybersecurity, or law enforcement advice, and it does not confirm whether any specific message, company, or person is genuine or fraudulent. When in doubt, contact the official organisation directly and report concerns to your local authorities.