Mortgage Tree Surveys: What They Are and When You Need One

When buying a new home, especially one with mature trees nearby, your mortgage lender may request a specialist assessment known as a Mortgage Tree Survey. While these surveys aren’t always required, they can play a vital role in identifying risks to property and to your investment.

What is a Mortgage Tree Survey?

A Mortgage Tree Survey (sometimes called an Arboricultural Mortgage Report) is a specific type of tree survey carried out to assess whether any trees on or near a property could pose a risk to the structure, foundations, or drains of a building.

These surveys are typically requested by:

• Mortgage lenders or insurers (as a condition of loan approval)

• Chartered surveyors following a homebuyer’s or building survey

• Property buyers who want peace of mind about tree safety

  
  

The aim is to identify trees that could cause structural damage through subsidence, root interference, or overhanging limbs and to advise on any remedial action needed.

Who Conducts a Mortgage Tree Survey?

A qualified arboriculturist or arboricultural consultant with experience in building-tree interactions should carry out a mortgage tree survey.

At Elite Ecology, our surveys are conducted by trained professionals who:

• Have expertise in tree risk assessment and root behaviour

• Understand the relationship between tree species and soil types

• Can provide independent, mortgage-compliant reports for lenders and insurers

• Follow industry standards such as BS5837:2012 and BS3998

  
  

Our team delivers fast, affordable reports with clear recommendations, giving both you and your lender confidence in your property purchase.

How Do I Know If I Need a Mortgage Tree Survey?

You may need a mortgage tree survey if:

• Your lender or homebuyer’s surveyor flags concern about trees near the property

• The property is located on clay soil, which is prone to shrink-swell movement

• There are large or mature trees close to the house or other structures

• Visible signs of cracks, subsidence, or tree root activity are present

• You want to understand potential future risks before you buy

  
  

If you're unsure, it's always best to seek professional advice early in the mortgage process before issues delay your purchase or affect lending terms.

What Does a Mortgage Tree Survey Involve?

A typical mortgage tree survey from Elite Ecology includes:

• A site inspection of the property and all relevant trees

• Identification of tree species, age, height, and proximity to structures

• Assessment of soil type and potential for shrinkage

• Evaluation of tree health, stability, and root zone risks

• A clear, concise report with recommendations and photographic evidence

  
  

We also include advice on pruning, management, or removal if required and can assist with Tree Preservation Order checks where relevant.

Why Choose Elite Ecology?

Elite Ecology provides trusted arboricultural and ecological consultancy services across the UK. When it comes to mortgage tree surveys, we offer:

• Qualified surveyors with BS5837 expertise

• Fast turnaround times to meet tight mortgage deadlines

• Mortgage-compliant reports accepted by major lenders

• Clear, honest advice tailored to your property and budget

  
  

Whether you're buying your first home or investing in a new property, we’ll ensure you have all the information you need to make an informed, secure decision.

Need a Mortgage Tree Survey?

Contact Elite Ecology today for a professional mortgage tree survey and a free, no-obligation quote. We’re here to help you protect your investment and your peace of mind.