Mortgage Tree Report

How Do Our Mortgage Tree Reports Work?

Find out how our mortgage tree reports work at AWA Trees:

Our qualified and experienced arboricultural consultants will visit the property to carefully inspect all the trees within influencing distance of the property, including any neighbouring trees or nearby street trees.
We accurately plot and map the location of the trees in relation to the property and surrounding structures, using digital mapping, lasers, and enhanced GNNS survey equipment.
We measure the tree species, age class, height, stem diameter, crown spread, condition, future growth potential and distance to the property.
We check the health and condition of each tree and carefully assess the risk of tree roots impacting the building or surrounding structures.
We consider the interacting system of trees, soils and buildings to look for trees causing damage, and trees that may be a future problem.

Based on our assessments, the final mortgage tree report provides specific comments and recommendations for any required works for each surveyed tree. The report will also detail any relevant legal and planning considerations, such as Tree Preservation Orders. We also give advice on wider issues such as soil conditions, subsidence (and heave) assessments,

When needed, we can co-operate with other professionals such as structural engineers, CCTV drain specialists, and geo-technical professionals to fully identify and manage tree risks.

Get in Touch

Why Do I Need a Pre-Purchase Tree Survey?

Mortgage lenders often ask for a tree survey as a condition of granting a mortgage and insurers may require a pre-purchase tree survey to assess if trees are implicated in subsidence damage. This is because trees can damage structures and buildings, both directly and indirectly.

Our professional tree surveys from qualified and registered tree consultants minimise exposure to the risk of tree-related damage. Obtaining a tree report before applying for a mortgage offers several benefits for homeowners and lenders, including:

Property Value

Our homebuyers tree report highlights any risks associated with trees on the property, helping you make informed decisions before applying for a mortgage or purchasing a home. Identifying potential issues early means you can take the necessary steps to prevent costly damage or unexpected complications in the future.

Risk Identification

Trees can have a significant impact on property value, especially if they are causing damage or require expensive maintenance. Understanding potential risks and necessary management allows you to negotiate confidently and avoid unexpected costs. This ensures that both homeowners and mortgage lenders can proceed with peace of mind, knowing there won’t be any unwelcome surprises.

Peace Of Mind

As a new homeowner, you want to be certain that your property is secure and meets all mortgage lender requirements. Our expert assessment gives you confidence that your home won’t face unforeseen tree-related issues in the future. With a clear report and cost-effective management recommendations, you can move forward knowing your investment is protected.

How To Use a Mortgage Tree Report

When purchasing your new home, there is a good chance that your mortgage lender will raise concerns about the presence of trees on the property. Once you or your estate agent contact us, we will carry out a comprehensive pre-purchase tree survey and provide a detailed report. This report is then submitted to the lender, helping to ensure the mortgage process continues without delays.

If the survey identifies any issues and future tree management is required, you can use our mortgage tree report to negotiate the property’s value. This ensures that any potential future costs are factored into the negotiations.

Our homebuyer's tree reports offer long-term value beyond the initial purchase. After the sale, the report serves as a useful reference for ongoing maintenance and arboricultural management, allowing you to obtain quotes from tree surgeons and plan for future care.

Get In Touch

Why Choose AWA Trees?

Find out why clients choose us:

Quick Surveys

Our streamlined services ensure that clients can achieve their goals quickly and efficiently.

Outstanding Value

We provide outstanding value by offering expert advice that helps you avoid expensive delays and ensures full awareness of any future costs from tree damage.

Expertise

Our extensive knowledge spans tree biology, tree law and the planning system, serving both public and private sectors.

Experience

We have helped thousands of home owners as tree experts, our honest and accurate advice is trusted by mortgage lenders and insurers across the county.

What Our Clients Say

AWA tree consultancy recently carried out a risk assessment on our huge beech tree which is very close to the house. The assessment was extremely meticulous and detailed and identified a number of factors that rendered the tree unsafe. As a consequence, we were able to obtain urgent permission to take invasive action despite the fact that we live in a conservation area. I cannot recommend this company highly enough, incredibly professional and extremely competent. We have planted over 100 trees on our land but are so grateful for the timely advice and support we have received from Adam and the AWA team.
Clive Wain
Professional and with excellent communication throughout, I would thoroughly recommend using AWA.
Graeme
Excellent service. Adam did a comprehensive risk assessment of a number of ash trees that were overhanging a public road and were suffering varying levels of dieback. The report was produced within the week. The information was well presented and helped us decide the timing of remedial action.
Robert Stamps
Used AWA Tree Consultants twice now, once for mortgage purposes and now for structural matters, both times the surveys were conducted within the same week from start to finish the communication, time keeping and professionalism was exactly what we needed. Adam is extremely knowledgeable and very friendly, the reports are sent very quickly, they are clear and easy to understand, easily forwarded to solicitors and mortgage lenders. Will definitely be using again on further properties.
Tom McDermott

Mortgage Tree Reports at AWA Trees

At AWA Trees, our pre-purchase tree surveys are tailored to meet the specific requirements of lenders and buyers. Our team offers recommendations to ensure that lending concerns are dealt with swiftly so that the house purchase can proceed smoothly.

To discuss your mortgage tree report, otherwise known as a homebuyers tree report, please contact us on 0114 272 1124 or fill in our contact form below.

Get A Quote

Pre-Purchase Tree Survey FAQS

What Is a Pre-Purchase Tree Survey?

A pre-purchase tree survey is a report that assesses the risk of damage to a property from nearby trees. It's also known as a Homebuyers Tree Survey or Mortgage Tree Survey. They should only be undertaken by qualified arboricultural consultants.

How Do You Provide a Homebuyers Tree Report?

Take a look at the steps we take to provide a quality pre-purchase tree survey: 1. When you get in contact with us, we will arrange a speedy site visit to inspect the trees surrounding your future property. 2. We check the health and condition of each tree and carefully assess the risk of tree roots impacting the building. 3. We provide a clear written report with an accurate plan and work schedule that ensures the sale process isn't delayed and any risks are made clear.

Where Do You Work?

We are based in Sheffield, South Yorkshire and cover the whole of the U.K. We regularly work in the surrounding towns and cities of Leeds, Birmingham, Doncaster, Hull, Leeds, Lincoln, Nottingham and York.

Is a Pre-Purchase Survey a Legal Requirement?

A pre-purchase tree survey is not always a legal requirement. However, it is often required by mortgage lenders and insurers to ensure that the trees on a property don't pose a threat to the structure of the house or people on the property.

What Happens If a Tree is Identified as a Risk?

If a tree is identified as a high risk during a homebuyer's tree survey, (which means it poses a threat to the property or people), our report will provide clear appropriate management measures. This might include pruning, removal, or other arboricultural interventions to address the risk in a way that is practical and economical.

In some cases, lenders may require tree management before finalising the mortgage. However, once the risks and required works are clearly communicated, a common resolution is for the seller or the buyer (as agreed) to commit to undertaking the required work within a reasonable timeframe after the sale. This approach ensures the safety of the property and surrounding areas while minimising delays in the buying process.

Can Trees Affect My Ability to Get a Mortgage?

Yes, trees on a property can affect your ability to get a mortgage. This is because lenders often require a tree survey to assess potential risks like structural damage from roots or falling branches and may not approve a mortgage if this information is not provided.