The need for a mortgage tree report
Part of the house-buying process involves inviting a surveyor to inspect the property they wish to buy. Surveyors look both inside and outside to assess the condition of a building. They identify any risks and potential legal issues, and highlight any urgent defects. Because they know trees can pose risks to a dwelling or nearby buildings, this will includes taking note of any trees at the property.
Homebuyers are often alarmed if the surveyor’s findings lead to their insurer or mortgage provider requesting a tree report. It usually means a delay to the process that they weren’t expecting and an extra expense that they hadn’t budgeted for. However, tree consultants will understand that homebuyers are working to tight timescales, so usually offer a quick turnaround. More importantly, a mortgage tree report can help secure that much sought-after mortgage offer. At the very least, it helps the homebuyer make an informed decision about their purchase by highlighting any current or potential problems. For example, it might identify that a tree’s roots are causing subsidence, or that a canopy or branches could damage a roof. A good report will then look at whether the problems can be overcome and what action should be taken if so.