Insurance & Mortgage Fire Risk Assessments
- Fire Risk Assessments for insurance renewals, mortgage applications, refinancing, valuations and lender requirements.
Overview
Professional Fire Risk Assessments for Insurers & Mortgage Lenders
Fire Safety Reports for Insurance & Mortgage Purposes are often required by insurers, mortgage lenders and valuers before cover is issued, renewed or a property transaction can proceed. These reports confirm that a building has been assessed for fire risk and that appropriate fire-safety measures are in place. Requirements commonly apply to blocks of flats, converted buildings, HMOs, commercial premises and mixed-use properties across London and Hertfordshire.
ProFire Compliance provides clear, professional Fire Risk Assessment reports specifically prepared for insurance and mortgage requirements across North London, Central London, East London, West London and Hertfordshire. All reports are PAS 79–aligned, evidence-based and written in clear, non-technical language suitable for submission to lenders, insurers and managing agents. Each report includes photographic evidence, a clear risk evaluation and a prioritised action plan where required.
Our Insurance & Mortgage Fire Safety Reports support landlords, property owners, managing agents, buyers and sellers throughout London and Hertfordshire by providing the documentation needed to satisfy lender and insurer conditions quickly and confidently. By assessing means of escape, fire detection systems, emergency lighting, fire doors and overall fire-safety management, we help ensure properties are risk-assessed, compliant and transaction-ready, avoiding unnecessary delays or complications.

Your Partner in Fire Risk Assessments
All assessments follow PAS 79 methodology and are completed by qualified Fire Risk Assessors at Associate level with the Institute of Fire Safety Managers (IFSM).
Insurance & Mortgage FRAs
What’s Included in a Insurance / Mortgage FRA
Our assessment provides the clarity and compliance evidence insurers and lenders look for:
- Building fire safety condition
- Fire detection & alarms (BS 5839)
- Fire doors, compartmentation & escape route protection
- Electrical and ignition risks
- Building construction, layout & occupancy risks
- Housekeeping, storage & bin area risks
- Assessment of external walls (where applicable)
- Firefighting equipment (BS 5306)
- Emergency lighting (BS 5266)
- Evacuation strategy & resident profile
- Review of existing documentation & maintenance
- Detailed photographic evidence
- Clear, prioritised risk action plan
All assessments follow PAS 79 methodology and are completed by qualified Fire Risk Assessors at Associate level with the Institute of Fire Safety Managers (IFSM).
When You Need This Service
An Insurance or Mortgage FRA is typically required for:
- Mortgage approval or refinance
- Property purchase or sale
- Insurance renewal
- Change of insurer
- Lender request during valuation
- Higher-risk buildings (converted flats, mixed-use, HMOs)
- New landlords or portfolio refinancing
If your insurer or lender has asked for a Fire Risk Assessment, we can help you meet the requirement.
Deliverables
- PAS 79–Aligned Fire Risk Assessment
- Fire Safety Report Suitable for Insurers & Lenders
- Clear Risk Rating & Compliance Summary
- Photographic Evidence of Fire Safety Measures
- Assessment of Means of Escape & Communal Areas
- Fire Detection, Alarm & Emergency Lighting Review
- Fire Door & Compartmentation Overview
- Prioritised Action Plan (Where Required)
- Clear, Non-Technical Reporting for Third Parties
- Digital, Shareable PDF Report
- Fast Turnaround to Support Transactions
- Optional Clarification for Insurers or Solicitors
Why Choose Us
Why Insurers & Lenders Accept Our Assessments
- PAS 79–aligned FRA reports
- Clear, well-structured evidence and reasoning
- Proportionate, practical recommendations
- Professional assessor qualifications (IFSM)
- Comprehensive photographic evidence
- Fast turnaround for urgent insurance/lender deadlines
- Compliance with the Fire Safety Order 2005 & Fire Safety Act 2021
- Local coverage across London & Hertfordshire
Professional, Certified Assessors
Insurance & Mortgage Fire Reports
Clear Fire Risk Ratings Provided
Clear Lender-Ready Fire Safety Reports
Book Your Insurance / Mortgage Fire Risk Assessment
Meet lender or insurer requirements quickly and professionally.