Tree Surveys for Mortgage or Insurance purposes
Fast, clear, lender‑friendly reports across Greater Manchester, Lancashire, Cheshire, Merseyside and the wider North West.
Buying a home near trees?
Has your lender, underwriter or insurer asked for a “tree report” before releasing funds?
Urban Tree Management provides premium, consultant‑led mortgage tree reports that assess structural risk, tree condition and site safety — giving you, your lender and your solicitor complete confidence before you proceed.
Fixed‑fee quotes. Fast turnaround. Reports accepted by all major lenders.
What Is a Mortgage Tree Report?
A mortgage tree report (also called a pre‑purchase tree survey) is a focused, risk‑based assessment carried out when a property is close to trees that may influence building foundations, drains, hard surfaces or soil conditions, helping lenders understand whether issues such as subsidence, heave, clay shrinkage or future maintenance liabilities could affect the security of the loan.
Unlike BS5837 surveys, which apply only to development and planning, mortgage tree reports are designed specifically for lending decisions, homebuyer reassurance and insurance considerations, providing clear, concise evidence about tree condition, structural risk and any actions required before a mortgage can be approved.
Why Lenders Ask for Tree Reports
Mortgage lenders request tree reports to ensure that nearby trees do not pose a foreseeable risk to the property, particularly in relation to subsidence, heave, clay shrinkage, root encroachment into drains, structural damage, or future maintenance liabilities that could affect the security of the loan.
A clear, evidence‑based assessment helps lenders understand whether the trees present a low, moderate or high level of risk, allowing them to release funds with confidence and enabling buyers to proceed without unexpected delays, costs or complications.
How a Mortgage Tree Report Helps You as a Buyer
Your report can help you:
- Avoid unexpected repair costs
- Negotiate the purchase price if risks are identified
- Understand future maintenance requirements
- Plan pruning or management work
- Make an informed decision about the property
- Satisfy lender and insurer requirements
- Proceed with confidence
How Do Our Mortgage Tree Reports Work?
- A qualified arboricultural consultant inspects all trees within influencing distance of the property, including neighboring and street trees where relevant.
- Each tree is accurately plotted using digital mapping, laser measurement and high‑accuracy GNSS equipment to show its position relative to buildings and structures.
- We record species, age class, height, stem diameter, crown spread, physiological condition, structural defects and future growth potential.
- The health and condition of each tree is assessed alongside the potential for root‑related impacts on foundations, drains, hard surfaces and boundary structures.
- We evaluate the wider interaction between trees, soils and buildings to identify any existing damage or foreseeable future risks.
- Your report includes clear, tree‑specific comments, practical recommendations and any relevant legal or planning constraints (such as TPOs or Conservation Area controls).
- We provide additional advice on soil conditions, subsidence and heave risk, and whether further investigations may be beneficial.
- Where required, we collaborate with structural engineers, CCTV drain specialists and geotechnical professionals to ensure all potential risks are fully understood and appropriately managed.
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Frequently Asked Questions
Do I need a BS5837 survey for a mortgage?
No. BS5837 applies only to development and planning. Mortgage reports are completely different.
What if the tree is protected (TPO / Conservation Area)?
We assess the risk and advise on what is legally possible. Most protected trees do not prevent a mortgage.
Will the report delay my purchase?
No — our reports are designed to speed up the process by giving lenders clear, defensible information.
Can you advise on subsidence?
Yes. We regularly work with structural engineers, insurers and loss adjusters on subsidence investigations.
What if the lender has specific requirements?
Send them to us — we tailor the report to meet their exact criteria.
Get Your Fixed‑Fee Mortgage Tree Report
Our mortgage tree report process is fast and straightforward: simply send the property address and any lender requirements, and we’ll confirm a fixed fee upfront. A qualified arboricultural consultant then attends the site to assess all relevant trees before producing a clear, concise, lender‑ready PDF report with conclusions, risk ratings, and recommendations.
Once delivered, we continue to support you by responding directly to any queries from your lender, broker, or solicitor to keep your purchase moving.
Our pricing is fully transparent and based on the number of trees, site complexity, and urgency, with same‑day and 24‑hour options available. No hidden costs, no unnecessary extras, no upselling — just fast, clear, lender‑approved reports from a trusted North West arboricultural consultancy.