Helping You Make Confident Mortgage Decisions.
Whether you’re buying your first home, remortgaging, investing in property, or simply want a clearer understanding of your financial position, Humble Mortgages provides professional mortgage and financial reports designed to help you make informed decisions.
Based in Norwich, Norfolk, we work with individuals, families, landlords, and property investors across Norfolk and the UK, providing accurate assessments that can strengthen mortgage applications, improve financial planning, and identify potential issues before they become problems.
Our reports are clear, independent, and tailored to your circumstances, giving you the confidence to move forward with your property plans.
Mortgage & Financial Reports to Support Your Property Journey
Mortgage Capacity Report
Our Mortgage Capacity Report is designed for mediation, divorce, and separation cases. It provides an independent assessment of an individual’s potential borrowing capacity, helping solicitors, mediators, and separating couples make informed decisions about future housing options and financial settlements.
Mortgage Affordability Assessments
Our Mortgage Affordability Assessment provides a clear overview of how much you may be able to borrow based on your income, expenditure, and current lender affordability criteria, helping you prepare for your next step on the property ladder.
Decision in Principle (DIP) Applications
A Decision in Principle (DIP) provides an indication of how much you could borrow and demonstrates to estate agents and sellers that you’re in a strong position to proceed. We help you secure the most suitable DIP based on your circumstances.
Credit File Review & Assessment
Your credit profile can have a significant impact on your mortgage application. Our Credit File Review & Assessmentidentifies potential issues, explains how they may affect your borrowing, and provides guidance to help strengthen your application before approaching lenders.
Income & Affordability Verification Reports
Our Income & Affordability Verification Report reviews your income and financial commitments to assess your mortgage affordability. It’s an ideal first step to understand your borrowing position before submitting a full mortgage application
Portfolio Lending Analysis For landlords
Our Portfolio Lending Analysis is designed for landlords looking to purchase, refinance, or expand their property portfolio. We assess your existing portfolio against current lender criteria to identify borrowing opportunities and support your long-term investment strategy.
Frequently Asked Questions
What is a Mortgage Capacity Report?
It estimates how much you could potentially borrow based on your financial circumstances before making a mortgage application.
Does a Credit File Review improve my mortgage chances?
Yes. Identifying issues before applying allows you to address potential problems that could affect lender decisions.
Do I need a Decision in Principle?
While not mandatory, most estate agents and sellers prefer buyers who have a Decision in Principle as it demonstrates your borrowing capability.
Can landlords benefit from a Portfolio Lending Analysis?
Absolutely. Portfolio landlords often require detailed financial assessments to meet lender requirements and plan future investments.
Can you help clients outside Norfolk?
Yes. Although we’re based in Norwich, we assist clients throughout the UK.
