The Scottish Herald reports police have plans to make lenders do specific additional verification by HM Revenue & Customs to check income claims are accurate and in line with tax payments.
If implemented the move would see every mortgage applicant pay a moderate additional fee.
The paper suggests Scotland’s crime bosses are increasingly buying up properties using false details to house criminal activity.
They then remortgage, inflate values and make and launder dirty money.
Detective Chief Superintendent John Cuddihy, head of serious and organised crime and counter terrorism with Strathclyde Police, said: "Crime groups can operate 200 mortgages. If it were you or I we would struggle to get a second mortgage, but they manage to get 200.
"They are then able to move other serious organised crime families into those houses. The equity or value of the house this year may be £100,000. Next year they will push it on to another organised crime family and overvalue it at £120,000. If you multiply it by 200 you can see how they're making their money.
"How ludicrous is it that they are able to get 200 houses with mortgages, but the hard-working people on the street can't get on the housing market? We are asking honest, hard-working people to be aware that a small routine fee could stamp out fraudulent multiple mortgage application by serious organised gang members.
"We advocate that there should be a responsibility of the financial institution to have a link into HMRC. If you want to get a mortgage and you claim you earn £60,000 then you should be paying tax on that £60,000 and a simple check to HMRC should clarify that. If it's £10, it should be built in."
Earlier this year Edward Lyons, 53 and the head of a Glasgow crime family, had £75,000 confiscated after committing mortgage fraud.
And in Glasgow in 2008 nine people were arrested for mortgage fraud against a range of lenders involving properties totalling more than £3m.
Cuddihy said: "Serious crime groups are very organised and have facilitators who can produce papers saying they earn £60,000 a year or £100,000 a year. Financial institutions currently just have to demonstrate due diligence.
“They ask for payslips etc, but that may come from a pal who runs a company. We're saying perhaps due diligence should go further to actually establish if they are contributing to society and paying their taxes.
"This is why we're bringing the banks and the building societies in to discuss this and we have put this forward to the Serious Organised Crime Taskforce.
"Some consider tax information is confidential and that disclosure to a third party might not be allowed but I understand it is already enshrined in law and that as long as it's governed properly why not make that application?"
HMRC recently piloted a project which allows lenders to check suspected fraudsters applying for mortgages.
A spokesman told the Herald: "The main purpose is to help lenders prevent mortgage fraud. However, the service will also allow HMRC to gather valuable information about customers who are potentially committing tax fraud by wrongly declaring their income."
