Japanese Knotweed and Mortgages Problems

Do you have Japanese knotweed and mortgages problem? The majority of the UK major lenders will refuse to lend against a property if their surveyor identifies Japanese knotweed at a property, especially if it is located within seven metres of habitable space. This is due to the aggressive nature of the plant and the potential damage it can cause to the building, consequently severely affecting the value of the property. Contact us today!

As a minimum, the mortgage lender will request a ‘Japanese Knotweed Management Plan’. The Japanese Knotweed Management Plan should contain:

Why is Japanese Knotweed and Mortgages a Problem?

Since Philip Von Siebold brought Japanese Knotweed to the UK in 1850, it has acquired a reputation for being one of the most invasive plants with the ability to destroy properties. It was unknown at the time the plant was brought into the UK, yet now it is destroying our environment at a stronger pace than ever anticipated.

Due to its ability to destroy houses and our inability to destroy the weed easily, it is vital that if the weed is identified, it must be removed rapidly. Mortgage lenders will often refuse a mortgage to people buying a property with live Japanese Knotweed, making it extremely difficult to buy or sell a home if the weed is found on the premises. Unsurprisingly, most building insurance companies will not cover damage by Japanese Knotweed.

Mortgages with Japanese Knotweed

Japanese knotweed and mortgages are possible if you can find a mortgage lender that will accept this request. If you can provide evidence that the problem is being treated by a qualified Japanese Knotweed removal team, a mortgage lender should offer you the mortgage.

If you’re finding this difficult, you can increase the likelihood of selling or buying a home by getting it removed today before it gets out of hand.

Japanese knotweed can devalue your property up to 15%

Japanese knotweed and mortgages are complicated and need to be taken care of urgently

When moving home, if you have found Japanese Knotweed in your garden it needs to be taken care of urgently. This invasive weed can seriously damage property, therefore if it is found by a property surveyor, they will insist that you get it removed as soon as possible. Japanese knotweed is the one plant that can destroy property and the sale. The longer you leave this plant, the harder it will be to eradicate it.

You may believe that you can destroy the weed yourself, however, this proves extremely difficult. Japanese knotweed is contaminating and cannot be disposed of easily. In fact, there are certain laws that you need to follow in order to properly dispose of Japanese knotweed.

Furthermore, Japanese knotweed on a property is not just a threat to you, but also a threat to your neighbour’s garden and home. If you knowingly own Japanese knotweed and it spreads onto your neighbour’s land, you are held responsible for the control of this invasive plant. Failure to properly dispose of the weed could lead to not just disputes, but fines or even imprisonment.

Japanese Knotweed Mortgage Guarantees

Insurance Backed Guarantee

Although conditions will vary from lender to lender, in practice lenders will generally want to see evidence of initial treatment and a commitment by the owner/purchaser of the property to fund in advance the treatment programme along with a 5-10 year insurance backed guarantee.

Japanese Knotweed Mortgage Chartered Surveyors

Chartered Surveyors and Valuation Surveyors

With Chartered Surveyors (full members of the Royal Institution of Chartered Surveyors) and Valuation Surveyors in house currently working directly for the majority of the UK major lenders, we are perfectly placed to deal and act upon their individual requirements to ensure they are able to lend against the property.

Japanese Knotweed Management Plan For Mortgages

Japanese Knotweed Management Plan

With production of our Japanese Knotweed Management Plan and 10 Year insurance backed guarantee, the majority of the major lenders will reverse their initial refusal to lend.  Call one of our friendly specialists on 020 3005 8755 to discuss.


London: 020 3005 8755
Bristol: 0117 428 0177
Cardiff: 0292 167 1147
3 Borthwick Street, London SE8 3GH

Contact CYB Environmental - Japanese Knotweed Removal Specialists