Tree Mortgage Reports: Why Are They Needed?

Tree mortgage reports are becoming more commonly required by mortgage lenders before any contracts are signed. This is particularly true of properties that are situated beside wooded areas or feature lots of trees in the garden in close proximity to the actual house or building. So why are they needed? And what do they entail?

Well, a tree report of this kind (also known as a 'mortgage report') is performed by a qualified arborist. They undertake a tree survey before compiling a report for both the home owner and lender featuring relevant data and expert observations regarding the trees. This can include information such as the health of a tree, its age, size and the properties of the soil in which the tree sits. Such a report also specifies if any future management of certain trees is required. This can allow potential problems to be addressed quickly. The reason this is commonly sought by lenders is because trees can affect not only the value of a property, but also its safety and stability. Trees, roots or vegetation have the potential to cause damage to a property or produce ground movements that affect the foundations of a building. While it may seem like such a survey and report would take a long time to perform, the reality is that a good arborist can fit to tight deadlines and ensure there is minimal disruption. However, to achieve this, you'll need a top arborist.

At Braemar Arboriculture Limited, our team is made up of such specialists. Our fully-accredited, fully-qualified team has been performing tree mortgage reports for, collectively, over 13 years. Our rapid response can lead to the survey and report being executed anywhere between 48 to 72 hours after a client's instruction. To find out more about what we do, visit If you'd like to chat to our support team, just email