Trees can be a wonderful asset to a property, but they can sometimes raise questions during a mortgage application or pre-purchase survey. Lenders and surveyors may flag nearby trees where there are concerns about safety, structural impact, or future management, and request a professional arboricultural report before proceeding.

​

At Maythorne Trees & Woodlands, we provide clear, proportionate tree reports to support mortgage applications and property purchases. Our aim is to answer the specific questions being asked — without unnecessary complexity or alarm.

​

What we assess

​

Depending on the issue raised, a mortgage tree report may include:

​

• The species, size and condition of the tree(s)

• Proximity to buildings, boundaries or services

• Evidence of structural defects, decay or instability

• Likely future growth and management requirements

• Whether the tree presents a reasonable risk in its current form

​​

Where appropriate, we also advise on practical management options, such as monitoring, pruning, or longer-term planning, rather than defaulting to removal.

​

What the report is used for

​

Our reports are commonly requested by:

• Mortgage lenders

• Building surveyors

• Solicitors acting on property transactions​

​

They are written in plain English, supported by professional judgement, and designed to give lenders confidence while helping buyers understand the trees they are taking on.

​

A balanced, professional approach

​

We take a retention-focused, evidence-based approach. Trees are living structures and can often be safely retained with sensible management. Our role is to provide a fair, professional assessment that supports informed decision-making for all parties.

​

Timescales and next steps

​

Mortgage tree reports are usually carried out following a site visit and are typically completed promptly once instructed. If you’ve been asked for a tree report as part of a purchase, please get in touch and let us know:

• The address of the property

• What the lender or surveyor has requested

• Any timescales you’re working to

​

We’re always happy to talk things through before you proceed.