Tree report for mortgage

Arbor Division Ltd Tree Services

How a Tree Report can Make or Break your Mortgage Approval Process

A tree report, also known as an arboricultural report, can be an essential document for homeowners seeking a mortgage. 

When it comes to applying for a mortgage, there are countless factors that can either make or break your approval process. One often overlooked factor is the condition of the surrounding trees on your property. Yes, you read that right – trees! Having a tree report done before applying for a mortgage can provide valuable information that can significantly impact your chances of getting approved.

In this article, we will delve into the benefits of getting a tree report and how it can influence your mortgage approval process. From identifying potential hazards to determining the overall health and lifespan of the trees, a tree report can provide crucial insights for both the homeowner and the lender. Understanding the potential risks and liabilities associated with trees can help mitigate any concerns the lender may have, increasing the likelihood of a successful mortgage application.

So, whether you’re a first-time homebuyer or looking to refinance, don’t overlook the importance of assessing the trees on your property. Join us as we unveil the many benefits of a tree report and discover why it can make or break your mortgage approval process.

Importance of a tree report in evaluating property risks

When it comes to evaluating property risks, trees often play a significant role that is often underestimated. A tree report is a comprehensive assessment conducted by a professional arborist to evaluate the condition, health, and potential risks associated with the trees on a property. This report provides crucial information to both homeowners and lenders, helping them make informed decisions regarding mortgage approvals.

Trees can pose various risks to a property, such as overhanging branches that can damage structures, root systems that can invade underground utilities, or the potential for falling trees during storms. By conducting a tree report, these risks can be identified, allowing homeowners to take appropriate measures to minimize potential hazards and lenders to assess the overall risk associated with the property.

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Common issues identified in tree reports

A tree report covers a wide range of aspects related to the trees on a property, highlighting any issues that may impact the safety, health, or structural integrity of the trees. Some common issues identified in tree reports include:

1. Disease and Pest Infestation: Tree reports often identify signs of diseases or pest infestations that can significantly impact the health and longevity of the trees. This information is crucial for both homeowners and lenders to understand the potential risks associated with the trees on the property.

2. Structural Integrity: Tree reports examine the structural integrity of the trees, including signs of decay, cracks, or weak branches. This assessment helps determine the risk of falling trees or branches that could cause damage to the property.

3. Root Systems and Utilities: Tree roots can invade underground utilities, causing damage and potential hazards. Tree reports assess the proximity of tree roots to utilities, helping homeowners and lenders identify potential risks and take appropriate measures to prevent damage.

Impact of tree-related risks on mortgage approval

Lenders consider various factors when assessing mortgage applications, including the potential risks associated with the property. Tree-related risks can have a significant impact on mortgage approval, as they pose liabilities that lenders want to mitigate.

If a property is deemed to have high tree-related risks, lenders may hesitate to approve a mortgage or require additional measures to minimize those risks before granting approval. This could include trimming or removing hazardous trees, providing evidence of ongoing maintenance, or obtaining an arborist's professional opinion regarding the trees' condition.

Benefits of obtaining a tree report before applying for a mortgage

Obtaining a tree report before applying for a mortgage offers several benefits for homeowners and lenders alike. Some of the key benefits include:

1. Risk Mitigation: A tree report helps identify potential risks associated with the trees on the property, allowing homeowners to address those risks before applying for a mortgage. This proactive approach demonstrates responsible property ownership to lenders, increasing the chances of a successful mortgage application.

2. Accurate Property Valuation: Trees can significantly impact a property's value. By obtaining a tree report, homeowners can provide lenders with accurate information about the health and condition of the trees, ensuring a more accurate property valuation during the mortgage approval process.

3. Peace of Mind: For both homeowners and lenders, knowing the potential risks associated with the trees on a property provides peace of mind. It allows homeowners to take appropriate measures to address those risks, ensuring the safety and longevity of the property. Lenders can be confident that the property poses minimal tree-related liabilities, reducing their concerns.

How to obtain a tree report for your mortgage in the North East from Arbor Division 

Arbor Division are qualified and experienced in conducting accurate and reliable tree assessments and tree reports for mortgages.  We cover Durham, Gateshead, Newcastle, Sunderland, Seaham, Washington, Peterlee, Hartlepool, Darlington, Middlesbrough, Stockton, Yarm, Redcar, Scarborough, in fact the entire of the North East!

Obtaining a tree report is a relatively straightforward process:

1. Contact us via online form or call us on 0191 3771755 to schedule an appointment for the tree assessment.

2. Our consultant will visit the property and conduct a thorough assessment of the trees. They will evaluate the health, condition, and potential risks associated with each tree, taking into account factors such as disease, pest infestation, structural integrity, and proximity to utilities.

3. After completing the assessment, we will provide a detailed report outlining the consultants findings, including any identified issues, recommendations, and potential risks. The tree report will serve as a valuable document for both homeowners and lenders during the mortgage approval process.

Understanding the information included in a tree report

A tree report typically includes detailed information about each tree assessed, as well as an overall assessment of the property's tree-related risks. Here are some key elements commonly found in a tree report:

1. Tree Identification: Each tree on the property is identified and described, including its species, size, and location.

2. Health and Condition Assessment: The report provides an evaluation of the health and condition of each tree, highlighting any signs of disease, pest infestation, decay, or structural issues.

3. Risk Assessment: The arborist assesses the potential risks associated with each tree, taking into account factors such as proximity to structures, overhanging branches, and root systems.

4. Recommendations: Based on the assessment, the arborist provides recommendations for maintaining, trimming, or removing trees to mitigate identified risks and ensure the safety of the property.

Steps to resolve tree-related issues for mortgage approval

If a tree report identifies tree-related issues that may impact mortgage approval, there are steps homeowners can take to address those issues. Here are some common steps to resolve tree-related issues:

1. Tree Maintenance: Regular tree maintenance, including pruning and trimming, can help mitigate potential risks and ensure the trees' health and structural integrity. Following the arborist's recommendations for tree maintenance is crucial to address any identified issues.

2. Tree Removal: In some cases, the arborist may recommend removing hazardous trees to eliminate potential risks. If removal is necessary, homeowners should hire a professional tree removal service to ensure safe and proper tree removal.

3. Tree Insurance: Homeowners can consider obtaining tree insurance to provide coverage for potential tree-related damages. This can alleviate concerns for lenders and provide an additional layer of protection for the property.

Hiring a professional arborist for tree assessments and reports

When it comes to tree assessments and reports, it's essential to hire a professional arborist with the necessary expertise and qualifications. Here are some key factors to consider when hiring a professional arborist:

1. Certification and Credentials: Look for an arborist certified by a reputable organization, such as the Arboricultural Association.  Certification ensures that the arborist has met specific standards of knowledge and experience in the field.

2. Experience and Expertise: Choose an arborist with relevant experience in conducting tree assessments and reports. They should have a deep understanding of tree health, diseases, pests, and structural integrity.

3. References and Reviews: Ask for references or read online reviews to get an idea of the arborist's reputation and the quality of their work. Positive testimonials from previous clients can provide confidence in their services.


A tree report may not be the first thing that comes to mind when applying for a mortgage, but it can have a significant impact on the approval process. By assessing the condition, health, and potential risks associated with the trees on a property, a tree report provides valuable insights for both homeowners and lenders. Understanding and addressing tree-related risks can help mitigate concerns and increase the likelihood of a successful mortgage application.

So, whether you're a first-time homebuyer or looking to remortgage, don't overlook the importance of obtaining a tree report. Take the necessary steps to assess and address any tree-related issues before applying for a mortgage.  By doing so, you can ensure the safety, longevity and value of your property, making your mortgage approval process smoother and more successful.

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