Independent mortgage tree reports and pre-purchase tree surveys for homebuyers and their agents across Hampshire, Surrey, Sussex, Kent and London.
Buying a property can raise questions about nearby trees, particularly where mature trees are close to the building, where a surveyor has raised concerns, or where a mortgage lender or insurer has requested further information.
Flow Tree Consultancy provides clear arboricultural mortgage reports and pre-purchase tree surveys to help identify tree-related considerations before you proceed with a purchase. This may include proximity to buildings, potential subsidence and heave risk factors, visible signs of damage, tree condition, safety concerns, and likely future management requirements.
Tree surveys before buying a property
Trees are a valuable part of many properties and are not automatically a cause for concern. However, where trees are close to buildings, boundaries, drains, walls, driveways, or other structures, it is sensible to understand their potential influence before committing to a purchase.
A mortgage tree report can help homebuyers make more informed decisions by setting out the relevant tree-related issues in a clear written report. This can be useful where a building survey has recommended specialist arboricultural advice, where mortgage or insurance queries have been raised, or where you would simply like a clearer understanding of the trees at the property.
Mortgage tree reports, arboricultural mortgage reports and pre-purchase tree surveys
The same type of report may be described in different ways depending on who has requested it and why.
A mortgage tree report may also be referred to as an arboricultural mortgage report, pre-purchase tree survey, pre-purchase tree report, insurance tree report, or homebuyer tree report.
In each case, the purpose is broadly similar: to provide independent arboricultural advice on trees that may be relevant to the property purchase, mortgage lender requirements, insurance considerations, and future tree management.
What does a pre-purchase tree survey consider?
What does a mortgage tree report consider?
The survey focuses on trees that may be relevant to the property, particularly where they are close to buildings or other structures.
The assessment may consider:
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the proximity of trees to the property and nearby structures
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potential subsidence risk factors
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potential heave risk factors
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available information, including a desktop review of soils and relevant background information
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visible signs of direct damage to buildings, walls, surfacing, and other structures
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tree condition and safety concerns
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the relationship between trees, soil conditions, and the built environment
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likely future management requirements
The survey is intended to provide arboricultural advice. It does not replace a structural survey, drainage survey, geotechnical investigation, or legal advice. Where further specialist input is needed, this can be identified within the report.
Subsidence, heave and trees close to buildings
Subsidence and heave are often the main concerns where trees are close to houses, particularly on shrinkable clay soils.
A mortgage tree report can help identify whether nearby trees may be relevant to these risks. The assessment considers the available information, including tree species, size, condition, distance from the property, site observations, evidence of damage, and a desktop review of soils and other relevant background information.
Where appropriate, the report can set out practical management recommendations and identify whether further investigation or specialist advice may be required.
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Email Us: info@flowtrees.co.uk
Tree safety and management recommendations
The survey also considers visible tree condition and safety concerns from ground level. This can help identify trees that may require remedial works, further investigation, monitoring, or removal.
The report will also provide management recommendations where appropriate. These may help buyers understand likely short-term and longer-term responsibilities before taking ownership of the property.
What you receive
Following the survey, you will receive a written arboricultural report setting out the relevant findings in a clear and practical format. This may include:
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a written report
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a tree data schedule
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a tree location plan
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management recommendations
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comments on relevant tree-related risks
The aim is to provide clear advice that can be understood by homebuyers, agents, surveyors, mortgage lenders, and insurers.
When is a mortgage tree report useful?
A mortgage tree report or pre-purchase tree survey may be useful where:
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a mortgage lender has requested a tree report
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a surveyor has raised concerns about nearby trees
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an insurer has asked for arboricultural information
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mature trees are close to the building
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there are signs of cracking, movement, or damage
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trees are close to walls, drives, drains, or other structures
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independent arboricultural advice is needed before exchange or completion
Obtaining advice before purchase can help clarify potential issues early, allowing buyers and their agents to respond appropriately during the transaction.
What is needed for a quote?
The property address is the key information needed for a quote.
Where available, it is also helpful to provide:
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surveyor comments and reports
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mortgage lender or insurer requirements
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estate agent details
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photographs of the trees or visible damage
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property plans
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any relevant reports or correspondence
This information helps confirm the scope of the survey and the level of reporting required.
Related services
For a broader overview of related services, including subsidence risk assessments, heave risk assessments, and mortgage or insurance-related tree reports, visit our Mortgage Tree Report and Property Risk page.
Professional arboricultural advice
Flow Tree Consultancy is led by a qualified arboricultural consultant with a First Class BSc (Hons) in Arboriculture and Urban Forestry, Professional Membership of the Arboricultural Association, LANTRA Professional Tree Inspection training, and a decade of industry experience.
This includes experience assessing trees in relation to property risk, including mortgage tree reports, pre-purchase tree surveys, insurance-related tree reports, tree safety concerns, and the relationship between trees, buildings and soil properties.
You can find out more about Flow Tree Consultancy’s qualifications, experience and professional approach on the About page.
Request a quote
Flow Tree Consultancy provides mortgage tree reports and pre-purchase tree surveys for homebuyers and their agents across Hampshire, Surrey, Sussex, Kent and London.
To request a quote, send the property address and any relevant surveyor, mortgage lender, or insurer comments by email: info@flowtrees.co.uk or get in touch using the contact form.
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