Stephen Lennon, 30, is accused of three counts of conspiracy to commit fraud by false representation in relation to a mortgage application.
Mr Lennon is due before St Albans Magistrates Court on 7 December.
He will appear with five others, from Luton, Silsoe in Bedfordshire and Watford, who were arrested as part of the same investigation.
They face charges including fraud, money-laundering and possession of drugs with intent to supply.
The leader of the far-right protest movement the English Defence League has been charged with mortgage fraud.