Forest with mossy ground

Mortgage Report

The drought of 1976 brought problems of subsidence with trees being implicated. In severe cases, a property can be devalued by the damage. Mortgage providers increasingly seek reassurance that a property will not be affected.


Mortgage Reports for Trees

The (Homebuyer) Mortgage Report looks at trees within and around the property to assess whether they could affect it. We don’t just look at subsidence, but also consider root activity, tree health and issues that may arise as trees grow and mature. The aim is to inform, and reassure where possible.

Tree Valuation Case Study

When Miss A. Agreed for her local utility provider to undertake some light pruning of a Yew tree in her garden, this was what she expected. A misunderstanding regarding the brief (prune to 2m clear) resulted in branches being pruned to 2m from the trunk, rather than from the overhead power line. As this looked awful, these branches were then cut back to the trunk, resulting in about one-third of the tree being removed-from one side. Miss A had no idea how to value this damage. We helped, using the CTLA Replacement Tree Method, writing a detailed Expert Report and enabling her solicitor to pursue an informed claim for damages