Mortgage Tree Reports
Mortgage Tree Reports
Home Buyer Tree Reports and Surveys for Mortgages
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Home Buyer Tree Reports for Mortgages

If you are buying a home the Building Society may have asked for a Home Buyers Mortgage Tree Report.

Raphael Skerratt has been producing Insurance and Mortgage Reports for many years and has hundreds of delighted clients. We appreciate the need for affordability, accuracy and speed and endeavour to produce the reports within a week. Printed and electronic copies are made available.

Mortgage Tree Reports

A mature garden with beautiful trees will always add value to a property. You therefore need the best advice possible from a Qualified Tree Consultant before going ahead and needlessly chopping down trees.

The Tree Reports detail the following

  • Likelihood of Subsidence or heave due to soil type
  • Height, diameter, distance, spread are quantified
  • Tree Safety Inspection
  • Tree Health Inspection
  • Direct threats such as falling branches,
  • Paving and driveway damage
  • Inspection of root damage to existing drains (non CCTV)
  • Future tree management recommendations
  • Estimated costs of any remedial works

Our tree reports are concise, easy to understand and done to BS 5837:2012. In depth details of each tree are given, along with the potential for damage to boundary walls, out buildings and drains.

A risk assessment for subsidence due to the trees is also given. Finally, recommendations are made for future maintenance.

We like to keep our prices affordable - a basic Tree Report for Mortgage approval starts at £249. In depth reports or Health and Safety and Subsidence will cost more

Contact us

Tree induced Subsidence

Tree roots can cause damage to the foundations of buildings. We produce Subsidence Tree Reports which advises on the extent of the damage and gives recommendation on the remedial works required.

Roots dry the soil during the summer months, and can cause varying degrees soil shrinkage, depending on soil type. If this occurs under the foundations,cracks may occur in the walls of the property

Experience is required to competently investigate subsidence, and to know when to refer to other professions. In some cases, tree removal can make the situation worse (subsoil heave).

Tree Subsidence

Tree Induced Heave

Heave is caused by the ground underneath a building swelling up. The most common cause of heave is the removal of trees around a property which causes the ground to become wetter.

In the case were a tree is older than the house, removing it may cause the sub soil to uplift to a greater volume than when the property was built. A tree that is younger than the property may possibly be removed, allowing the ground too revert to its original equilibrium without causing damage.

Heave due to trees is a very rare occurrence and other possible causes are broken drains and pipes, and possibly diversion of water ways due to construction site activity.

Tree Heave

Tree Root Damage to Drains

In our experience, it's quite rare to find that tree roots have actively damaged drainage and sewer pipes. It is more common to find that tree roots have entered the pipes through some existing structural fault or cracks due to subsidence.

However, it has to be said that tree roots love drains. Roots are attracted to moisture and a leaking sewer pipe is heaven sent. The result is very slow flowing drainage.

The best solution will usually be to repair the drain rather than fell the tree. New drains, well laid, using modern materials and sealants should be immune to tree damage. Contact us for a Tree Root Damage Report which will detail the remedial works required.

Tree Root Drain Damage

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