Mortgage reports

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Often mortgage or insurance companies require an assessment of the risk trees pose, or may pose in the future, to the property they are loaning against, or insuring. Any damage trees may cause affects the security of their loan and so they typically request some kind of arboricultural advice on this perceived risk.

This advice is provided in report form and are sometimes referred to as mortgage reports or subsidence risk assessments.

More commonly, the advice sought is primarily to do with the risk of vegetation related subsidence to structures of properties.

While the notion of trying to predict the risk of subsidence with woefully inadequate information at hand is very much contended, it still serves a purpose in that mortgage or insurance companies still require some some kind of assessment and advice and will not progress a mortgage or insurance application any further, until they have received this advice.

We provide reported advice in response to the requests and address the total risk of trees to the property at hand. This includes the risk of tree failure, either in part or complete, as well as any tree related subsidence concerns.

Our reports also provide advice on how to manage these risks, if it is considered expedient to do so.

We are aware of the time pressures surrounding this process and normally produce the requested written report within 48hrs. This report will cover everything the lender needs to know about any risk presented by the tree(s) in question.

For any further information surrounding this, please feel free to contact us.