Mortgage & subsidence tree reports

Usually because the valuer or surveyor has noted trees close to the property and the lender wants an independent view of whether they pose a risk to the building — most often subsidence on shrinkable clay soil, or falling branches. A tree report identifies the trees, assesses their condition and likely influence on the building, and recommends any action, so the purchase can proceed.

They can contribute to it. On shrinkable clay soils, tree roots take up moisture and the clay shrinks, which can make foundations move — most noticeably after dry summers. Whether a particular tree is responsible depends on the soil, the foundations, the species and the distance from the building, which is why it needs investigating before a tree is blamed or removed.

Not without advice. Removing a large tree on clay soil can make the ground swell as it rewets (known as heave), which can also damage buildings — and the tree may be protected by a Tree Preservation Order or a Conservation Area. Have it assessed first.

I know purchases run to tight deadlines. Timescales depend on the property and the time of year, so I'll agree a realistic date with you when you book and prioritise around your exchange date wherever possible.

It depends on the number of trees involved and what the lender or insurer needs the report to cover. Every property is different, so you get a clear fixed quote up front, usually within one working day.