Arboricultural Mortgage & Subsidence Reports

Understanding Arboricultural Mortgage & Subsidence Reports

Arboricultural Mortgage and Subsidence Reports are specialist tree surveys specifically commissioned to assess the risk of trees causing direct or indirect damage to buildings, primarily through subsidence (soil shrinkage) or heave (soil expansion). These reports are often a crucial requirement from mortgage lenders or insurance companies, particularly when properties are located on shrinkable clay soils with trees within influencing distance, or when there are existing concerns about structural movement.

Our independent, expert assessment aims to:

• Identify and evaluate all trees within influencing proximity to the property.
• Assess the species, size, age, and condition of these trees.
• Consider the underlying soil type and geological conditions of the site.
• Evaluate the construction and foundation depth of the property in relation to the trees.
• Determine the level of current or potential risk posed by vegetation to the building's stability.

Clear, Actionable Reports for Lenders & Insurers

The output of our assessment is a clear, concise, and professional report designed to meet the stringent requirements of mortgage lenders, insurers, and solicitors. Our easy-to-understand reports present our findings and conclusions regarding the subsidence or heave risk posed by trees, along with specific, actionable recommendations. These recommendations may include:

• Targeted Pruning: Advice on appropriate pruning regimes to manage tree size and water uptake.
• Tree Removal: Justified recommendations for removal where risk is significant and unavoidable.
• Monitoring: Suggestions for ongoing observation of tree and property behaviour.
• No Action Required: Confirmation that trees pose no significant risk to the property.

Benefits of Choosing Canopy IQ for Your Report:

• Smooth Transactions: Satisfies lender and insurer requirements, preventing delays in property purchases or refinancing.
• Peace of Mind: Independent expert opinion clarifies potential risks for buyers and sellers alike.
• Unbiased Expertise: Impartial, professional assessments rooted in scientific understanding.
• Proportionate Solutions: Pragmatic recommendations that mitigate risk without unnecessary removals.
• Meeting Duty of Care: Demonstrates proactive risk management for property owners.

Ensure your property transaction proceeds without tree-related hitches. Contact Canopy IQ today to discuss your Arboricultural Mortgage or Subsidence Report needs across Kent, London, and the South East.