Mortgage Tree Reports
Buying a new home is an exciting time, but it often involves complex steps. If building surveyors have spotted nearby trees or mortgage companies have used the term ‘arboricultural report’ in their valuation notes, it will be a sign that you need to think about ways to alleviate concerns about potential tree-related damages.
Usually called a pre-purchase tree survey, the request for a professional assessment will mean that your lender needs assurances that trees pose no risk to the structure of your future property. Our arboricultural consultancy can carry out a specific type of arboricultural survey to help your house purchase proceed smoothly.
What is a Mortgage Tree Report?
Also sometimes known as an arboricultural mortgage report, pre-purchase tree report or homebuyers’ tree report, a mortgage tree report is a specialist document requested by a mortgage lender or insurance company before they finalise mortgage offers or provide coverage. A report is needed when trees can pose a risk to the building’s structural integrity and often follows the initial valuation, where the surveyor may raise concerns.
From the perspective of Barclays, HSBC and other major lenders, it is crucial for a qualified arboricultural consultant to confirm that there’s no reason a mortgage cannot be provided due to trees, and pre-purchase reports offer an additional layer of due diligence. With a report, prospective home-buyers can provide lenders with accurate information about any tree-related risks near the property, avoiding any uncertainty that could negatively impact mortgage approval.
Contents of a Tree Report for a Mortgage
Inside a comprehensive report, you will find detailed information included to address all lending concerns and provide peace of mind to the buyer.
Every element of the pre-purchase tree reports is pivotal in giving the lender key insights about the building in relation to trees:
Tree Identification and Data
Tree species, dimensions and locations of all the trees within the influencing distance of the building, helping to gauge the overall health of the vegetation.
Risk Assessment
Full risk assessment to determine the likelihood of tree failure, falling branches or direct damage to the structure, as well as the risk of structural damage caused by hidden roots.
Subsidence Analysis
Analysis of soil conditions and the relationship between tree roots and the building’s foundations, especially concerning the common issue of potential subsidence.
Legal and Planning Review
Confirmation of whether the surrounding trees are protected by a tree preservation order (TPO) or if the property itself is in a conservation area, clearly outlining each and every relevant planning consideration.
Recommendations and Management
Submitting specific tree work and practical management works such as tree removal, pruning or relocation, with our team able to recommend ways to mitigate potential risks.
Process of Creating a Tree Mortgage Report
We understand the urgency of the home-buying process, so we guarantee that our methods focus on a quick turnaround and clear communication every step of the way.
From speaking to us to getting your tree mortgage report sent to you, check out how every stage in the process works:
1. Contact Us
Directly speak to our team and give us details about your site, such as an indication of the number of trees present, the total size of the plot of land and any further details as to why you need or have been asked for an arboricultural report.
A quote based on your information will be sent to you within a few hours, and with it, you will be able to decide whether or not you want to move forward with our team.
2. Booking
Send the booking form back to our team to confirm that you would like to move forward with Arbtech as your provider of pre-purchase tree survey services.
Working closely with you, we will decide on a suitable date for an arboricultural consultant to attend your site.
3. Site Inspection
One of our tree consultants will visit your site to inspect all trees on the property and any neighbouring trees as part of a visual inspection of your building.
Over the course of a pre-purchase survey, the surveyor will assess tree health and structural condition while looking for any tree-related issues.
4. Report Production
A detailed report will be created by the tree consultant based on findings from the earlier inspection of the site and all trees present.
Alongside survey results, evidence and an overview of the assessment process, the report will include the necessary steps to address any and all tree risks.
5. Delivery
The final report will be sent to you, giving you full control over your next move and complete clarity over what needs to be done.
Most importantly, the mortgage tree report can now be submitted to your mortgage lender to support you in moving forward with your purchase.
Choose Arbtech for Arboricultural Mortgage Report Help
Although a lot of the work we carry out primarily supports land and property developments, we can also conduct a detailed survey and assemble an extensive report, produced for mortgage purposes.
Whatever potential issues you’re dealing with, the tree survey team at Arbtech can provide valuable information around the safety risks associated with the health and condition of trees and offer reliable advice to support the actions of prospective property owners.s
From getting yourself more accurate property valuations to simplifying the mortgage approval process, a mortgage tree survey and report from our team comes with several benefits.
Our Highly Skilled Tree Consultants
Whenever clients need arboricultural mortgage reports, we cannot stress enough just how important it is to operate on the basis of using the highest level of expert knowledge. Between consultants who’ve always worked to support planning to surveyors who previously operated as tree surgeons and arborists, all of our team are fully qualified and licensed to add equal value.
Guiding you through the common steps of the process, we can evaluate risk mitigation considerations, boost mortgage applications, perform ongoing maintenance, and equip home-owners with the insight to address any risk of tree-related issues that could damage structures and cause significant impact on the safety of the building’s occupants.
Our Costs for Producing Mortgage Tree Reports
Across all the services we undertake, there’s always the same intention to keep our offering cost-effective while continuing to deliver the same high-quality comprehensive support. Our pricing is transparent from day one, allowing homeowners to avoid unwanted stress, remove uncertainty, and work our fees into their budget.
Our pre-purchase tree reports can significantly impact your negotiations with the estate agent or seller for the better, and fortunately, you will know how much you’re expected to pay as soon as you’ve spoken to us about receiving a quote. Like our other services, a home-buyers’ tree report will start with a baseline fee, only going higher based on the size of the site and the number of trees.
Get in Touch for a Quick, Accurate and Free Quote
After a quick and thorough inspection of your property details, we will be able to put a quote together that reflects the circumstances of your site, especially in relation to the presence of trees. As soon as we’ve been instructed to work on your behalf, the whole process will move extremely fast, helping you to meet the tight deadlines associated with a property transaction.
The main attribute that has made Arbtech a preferred choice for so many people all over the country is our emphasis on speed. With that, you can get your home-buyers’ tree report quickly, and your mortgage providers won’t be left in the lurch. It can also assist you with any other related purposes, such as getting planning permission granted if you want to develop on the site of your new property.
You can contact our team by filling out an online form on our website, sending us an email or calling us. In no time at all, you will be given a free quote for a mortgage tree report on your property. If you agree to move forward with us, we will be happy to arrange a date to start working with you and make informed decisions about any risk of trees near your building.
