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  • FIRST POST
    • zaphan58
    • By zaphan58 20th May 19, 8:07 PM
    • 27Posts
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    zaphan58
    Bank want tree removed before mortgage
    • #1
    • 20th May 19, 8:07 PM
    Bank want tree removed before mortgage 20th May 19 at 8:07 PM
    HI all, I am in the process of buying a house. I had a homebuyer report done on it which highlighted a small tree planted very close to the house. The bank (TSB) then requested a arboricultural report on all the trees on the property which I had done at my expense. The tree report again brought up the tree with a recommendation the tree is removed to avoid potential damage to the house down the line, also pointing out the tree is unstable. TSB now want this done, along with proof it has been done before they will revise the valuation and proceed with the mortgage.

    Is it reasonable for me to request the seller has the tree removed? The house is empty so I doubt they will care about loosing the tree. But from a cost point of view I have already paid out hundreds for the reports and don't want to pay to remove a tree to a house I don't yet own. Yet I can see they may think it is my problem?
Page 1
    • zx81
    • By zx81 20th May 19, 8:12 PM
    • 22,445 Posts
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    zx81
    • #2
    • 20th May 19, 8:12 PM
    • #2
    • 20th May 19, 8:12 PM
    You can request it. They may or may accept though.

    I would expect their initial reaction to be that you need to pay for it, but it depends on how desperate they are to keep the sale.
    • Amst
    • By Amst 23rd May 19, 5:48 PM
    • 129 Posts
    • 92 Thanks
    Amst
    • #3
    • 23rd May 19, 5:48 PM
    • #3
    • 23rd May 19, 5:48 PM
    As mentioned above it will depend on who is more desperate - you to buy, or them to sell.

    They should be savvy enough to realise if they remarket the property they will encounter this with the next buyer and it won't go away so it may be in their best interests to remove it to make the house more attractive from a security point of view to a lender.
    • amnblog
    • By amnblog 23rd May 19, 8:35 PM
    • 11,149 Posts
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    amnblog
    • #4
    • 23rd May 19, 8:35 PM
    • #4
    • 23rd May 19, 8:35 PM
    It’s their problem if it makes the property unmortgagable. Why should you pay?
    I am a Mortgage Broker

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
    • silvercar
    • By silvercar 24th May 19, 8:18 AM
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    silvercar
    • #5
    • 24th May 19, 8:18 AM
    • #5
    • 24th May 19, 8:18 AM
    You could ask the lender if they would agree to proceed based on you signing an undertaking to removing the tree within 3 months of your completion. That is what our lender requested of us when we bought.
    • societys child
    • By societys child 25th May 19, 3:38 PM
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    societys child
    • #6
    • 25th May 19, 3:38 PM
    • #6
    • 25th May 19, 3:38 PM
    a small tree planted very close to the house
    How big is a "small" tree?


    What does a saw and a sachet of stump killer cost, or am I missing something?

    • sourcrates
    • By sourcrates 25th May 19, 3:50 PM
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    sourcrates
    • #7
    • 25th May 19, 3:50 PM
    • #7
    • 25th May 19, 3:50 PM
    As above, how small is small 10ft/20ft/30ft ??


    If its less than 20ft tall, a competant person with a ladder and a chainsaw can remove it quite easily in an afternoon for very little cost, of course if its much bigger than that, a tree surgeon will be required.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • dunstonh
    • By dunstonh 25th May 19, 4:35 PM
    • 98,597 Posts
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    dunstonh
    • #8
    • 25th May 19, 4:35 PM
    • #8
    • 25th May 19, 4:35 PM
    Is it reasonable for me to request the seller has the tree removed?
    Absolutely yes. This is very routine.

    But from a cost point of view I have already paid out hundreds for the reports and don't want to pay to remove a tree to a house I don't yet own.
    You don't pay for it. The vendor does. Unless the vendor refuses to pay for it and you then decide if you want to pay for it and proceed.

    When buying our place, our vendor had to pay over 5000 for various things to get resolved. They wanted the sale. They paid for it.

    Day rate on a tree surgeon is around 360.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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