bmtreeconsultancy

Tree Mortgage Reports

Expert Tree Risk Assessments for Property Purchase & Insurance

If you’re purchasing a property with nearby trees, a Tree Mortgage Report also known as Homebuyers Tree Report may be requested by your mortgage lender, insurer, or solicitor. This specialist report evaluates the potential risk posed by trees to buildings and infrastructure, helping to protect both your investment and your peace of mind.
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Professional tree risk assessment outdoors
Tree mortgage report overview for lenders and home buyers

What is a Tree Mortgage Report?

A Tree Mortgage Report provides a professional assessment of how trees on or near a property could affect its structural stability. This includes:

  • Direct damage – e.g. physical contact with the structure or roots affecting hard surfaces.
  • Indirect damage – e.g. soil shrinkage or heave from tree roots contributing to subsidence or movement in clay-rich soils.
This report is often a condition of mortgage approval or insurance coverage, especially when mature or high-water-demand tree species are located close to buildings.
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What Does the Report Include?

Our reports are tailored to the specific property and lender requirements, and typically cover:
  • Planing survey checklist

    Site Visit and Tree Inspection

    A qualified arboricultural consultant will inspect the site, identifying all trees of concern and assessing their health, species characteristics, and proximity to structures.

  • Shovel icon for planting and ground work

    Soil Type & Foundation Risk

    We consider underlying soil conditions (especially shrinkable clay soils), rooting behaviour, and potential for indirect damage through desiccation or moisture changes.

  • Graphic of a manual symbolising instructions or guidance

    Risk Analysis

    Each tree is assessed for both current and future risk of damage. We provide a risk categorisation that is clear, reasoned, and supported by industry best practice.

  • Graphic of an agent icon symbolising customer service and assistance

    Tree Management Recommendations

    Where required, we provide practical advice for future tree management – from pruning to removal or ongoing monitoring. We also advise on replacement planting where appropriate.

  • Tree survey report icon

    Professional Report for Submission

    A fully compliant written report suitable for submission to your mortgage lender, insurer, or conveyancing solicitor.

Why You Might Need This Report

  • Mortgage lender or insurer request during property purchase
  • Visible cracks or subsidence concerns on the property
  • Large or mature trees close to buildings, boundaries or drains
  • Peace of mind when investing in a new home
  • Compliance with legal or insurance conditions

Who This Service Is For

  • Homebuyers needing risk clarification before purchase
  • Vendors seeking to reassure buyers or meet survey requests
  • Mortgage brokers or solicitors requiring arboricultural input
  • Insurance providers assessing risk and liability

Request a Tree Mortgage Report

Don’t let tree-related risks delay your property purchase. Our qualified consultants deliver fast, reliable assessments with clear recommendations helping you move forward with confidence.

Request a Survey or speak to us directly for advice tailored to your situation.

Contact us to book your Tree Report

FAQ: Mortgage Tree Report

How is this different from a standard tree survey?
A Mortgage Tree Report is focused specifically on assessing damage risk to buildings — particularly subsidence. It is designed to meet mortgage or insurance requirements and is less broad than a full planning or condition survey.
We aim to schedule site visits within 5 working days, with completed reports delivered shortly after inspection, depending on urgency.
We carry out a visual assessment of soil type and refer to geological data. If required, we can recommend a specialist geotechnical survey or lab analysis.
Yes — our reports are written in line with the expectations of mortgage lenders and insurers. If your lender has specific requirements, we can tailor the report accordingly.
Where necessary, we’ll provide clear, evidence-based reasoning. We can also assist with Tree Preservation Order (TPO) applications if consent is needed to carry out work.
Absolutely. Proactively obtaining a Tree Mortgage Report can help smooth the sales process and provide assurance to buyers.
Yes — we assess both current and potential risks, based on tree species, site conditions, and long-term growth behaviour.
Yes — all our consultants are fully insured and qualified, with decades of arboricultural experience.