Mortgage Tree Reports Explained: What Lenders Look For
Why Lenders Request Tree Reports
Mortgage lenders may raise concerns when trees are close to a property. They want reassurance that the trees do not pose a risk to:
Buildings
Drains
Foundations
Boundary structures
A mortgage tree report provides this clarity.
What the Report Covers
A typical mortgage tree report includes:
Tree species and size
Proximity to structures
Root behaviour
Structural condition
Likely future growth
Risk assessment
Practical recommendations
The aim is to give lenders confidence that the property is safe.
Common Issues Identified
Subsidence risk
Heave potential
Overextended canopies
Deadwood
Fungal decay
Root encroachment
Most issues can be managed with simple, practical advice.
Fast Turnaround
Mortgage timelines can be tight. Reports are usually delivered quickly to keep your purchase moving.
Need a Mortgage Tree Report?
We provide clear, easy‑to‑understand reports for homebuyers across the region.