Mortgage & Insurance Tree Reports
Buying your dream home — or protecting the one you already own — is one of life’s biggest investments. If there are trees close to your property, mortgage lenders and insurance providers often request a Tree Report, sometimes called a Homebuyers Tree Survey, Pre-Purchase Tree Survey, or Insurance Tree Report.
These reports provide essential information, not just for peace of mind, but to satisfy the requirements of lenders and insurers, helping you avoid delays, additional costs, or complications down the line.
Why might you need a Mortgage or Insurance Tree Report?
If trees are growing near a property, your mortgage provider or insurance company may request a tree survey to assess any potential risks. This is to ensure that the trees won’t cause problems such as:
- Damage to foundations or drains
- Increased risk of subsidence or heave
- Structural interference with walls, roofs, or surfaces
- Liability issues due to tree condition or failure
These reports may be referred to as:
- Mortgage Tree Reports
- Homebuyer Tree Reports
- Pre-purchase Tree Surveys
- Insurance Tree Surveys
- Arboricultural Condition Reports
Whatever the title, the goal is the same: an expert, unbiased assessment of the trees and their relationship to your property.
What our reports include:
- Tree species, size, age and health
- Proximity of trees to buildings and structures
- Risk assessment for subsidence or structural damage
- Recommendations for tree work or ongoing management
- Clear, lender- and insurer-friendly conclusions
All reports are carried out by qualified, experienced consultants in line with current best practice and British Standards.
Why choose Think Arb?
We specialise in practical, no-nonsense advice that satisfies both insurers and mortgage lenders, without unnecessary alarm. Our approach ensures trees are understood, managed and retained where possible, so you can enjoy your home with confidence.
We cover the North East, including Teesside, County Durham, and North Yorkshire.
Get in touch today to arrange your report and avoid delays in your purchase or policy.
