Mortgage & pre-purchase reports

Tree reports for mortgages and house purchases

If a lender, surveyor or solicitor has asked for a report on trees near a property, we can carry out the inspection and turn the report around quickly so your sale or mortgage stays on track.

Request a report or call 07947 308022
When it's needed

Why a lender might ask for a tree report

Mortgage valuers often flag trees growing close to a building, particularly on shrinkable clay soils, because of the possible effect on foundations. Before they'll lend, they want a qualified opinion on the risk. A clear report usually resolves the matter and lets the transaction proceed.

Buying a home

A survey has noted a large tree near the property and your lender wants the risk assessed before completion.

Subsidence concern

Cracking has appeared, or an insurer or surveyor wants nearby trees assessed for their possible role.

Selling a property

A buyer's mortgage is held up over a tree, and you need a report to keep the sale moving.

What you get

A report your lender will accept

A clear, written assessment of the trees in question, set out so a lender, surveyor or solicitor can act on it without further queries.

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Tree identification & condition
Species, size and health of the trees, and their proximity to the building.
Soil & foundation considerations
An assessment of the influence the trees may have, taking soil type and distance into account.
Clear conclusion & recommendations
A plain statement of the risk and any management recommended, written for a non-specialist to follow.
Photographs & supporting detail
Site photographs and the qualifications behind the assessment, so the report carries weight.
See a sample report
We know it's time-sensitive

Quick turnaround when a transaction depends on it

A held-up mortgage is stressful and time matters. Tell us your deadline and we'll do our best to inspect promptly and get the report to you in good time.

Tell us your deadline
Questions

Mortgage tree reports, explained

Why has my mortgage lender asked about a tree?

Where a tree grows close to a building, a valuer may want reassurance that it isn't likely to affect the foundations, especially on clay soils that shrink and swell. A report from a qualified arboriculturist gives them that.

How quickly can I get the report?

We understand these are usually urgent. Get in touch with your deadline and we'll arrange the inspection as quickly as we can and prioritise the write-up.

Will the report be accepted by my lender?

Reports are prepared by a qualified, insured arboriculturist and a professional member of the Arboricultural Association, set out clearly with photographs and conclusions. If your lender has specific requirements, let us know and we'll make sure they're addressed.

How much does it cost?

It depends on the property and number of trees involved. Tell us the situation and we'll give you a clear, fixed quote before any work begins.

Need a report for your mortgage?

Send us the details and your deadline. We'll come back with a fixed quote and a timescale.

Request a report or call 07947 308022