Mortgage Tree Report & Property Risk
Trees and Property
Flow Tree Consultancy provides mortgage tree reports and property risk assessments where trees need to be considered in relation to a property purchase, an insurance query, or wider concerns about trees near buildings.
This service includes mortgage tree reports for buyers, lenders and insurers, as well as subsidence risk assessments and heave risk assessments for homeowners. The aim is to provide clear, practical advice that helps clients understand the likely level of risk and the most appropriate next steps.
Who is this Service For
This service is aimed mainly at homebuyers and homeowners.
In many cases, a report may be requested or recommended by a mortgage lender, insurer, solicitor or building surveyor. It can also be useful for homeowners seeking reassurance about trees near a property, or before removing trees where heave risk may need to be considered.
Our Services
Mortgage Tree Report
A mortgage tree report provides arboricultural advice where trees near a property need to be considered as part of the buying process. This service may also be referred to as a pre-purchase tree report or a homebuyer tree report.
This type of report is suitable for homebuyers and may also help address concerns raised by lenders, insurers, solicitors or building surveyors.
The report considers the relevant trees in their property context, including potential subsidence risk, other nuisances such as direct damage to structures and surfaces, and tree safety in relation to people and property. It helps clarify whether nearby trees are likely to present an issue now or in the future, and whether any tree works may be appropriate to mitigate those issues.
For more detailed information, see our mortgage tree report and pre-purchase tree survey service.
Subsidence Risk Assessment
A subsidence risk assessment considers whether nearby trees are likely to influence future subsidence risk.
This type of report is suited to homeowners who want a clearer understanding of the position for peace of mind, as well as situations where concerns have been raised by others involved in the property process.
The assessment considers the property, the site context, and trees within likely influencing distance, with advice set out in a clear written report.
Heave Risk Assessment
A heave risk assessment is typically needed where trees close to a property are being considered for removal.
In some situations, removing trees can change ground moisture conditions, so it may be sensible to assess likely heave risk before works take place.
This report considers the site, the property and the relevant trees, and provides practical advice to help inform decision-making.
What the services include
Depending on the instruction, the service may include:
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desktop research, including soils information and surveyor’s reports where available
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survey of the site and the property
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assessment of relevant trees within likely influencing distance
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consideration of tree-related risks in the property context
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a written report
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tree management recommendations where applicable
Clear, practical advice
The focus of these reports is to provide straightforward, professional arboricultural advice in a format that supports property-related decisions.
Flow Tree Consultancy is an independent arboricultural consultancy led by a qualified arboricultural consultant with a First Class BSc (Hons) in Arboriculture and Urban Forestry, a Level 3 Extended Diploma in Arboriculture and Forestry, Professional Membership of the Arboricultural Association, LANTRA Professional Tree Inspector certification, and a decade of industry experience.
This includes experience providing arboricultural advice for property-related tree reports, mortgage and insurance queries, tree risk matters, and assessments where trees may need to be considered in relation to buildings. The same consultant quotes the job, carries out the site visit and writes the report, so you deal directly with the person doing the work.
We carry £1 million professional indemnity insurance and £5 million public liability insurance.
You can find out more about Flow Tree Consultancy's qualifications, experience and professional approach on the About page.
Enquiry
To discuss a mortgage tree report, pre-purchase tree report, subsidence risk assessment or heave risk assessment, please get in touch via the contact form or by email: info@flowtrees.co.uk.
Get a fast free quote for your project
Step 1: Details
Provide your site address and requirements.
Step 2: Review
We consider the site and the services required.
Step 3: Quote
Receive a quick fixed-fee quotation.
Step 4: Survey and report
Once you instruct us, we survey the site and issue the reports
Fill in the enquiry form, or email info@flowtrees.co.uk. Include the site address, any plans you have, and the wording of any request you've been given.