Japanese Knotweed & Mortgages
Japanese Knotweed can delay — or even derail — your mortgage. But with a recognised treatment plan in place, lenders will usually approve. At KnotEnd, we help make that happen.
Why Lenders Are Concerned
Mortgage providers see Japanese Knotweed as a potential structural and legal risk. If it’s on or near your property, it may:
- Lower market value
- Cause neighbour disputes
- Complicate or block sales and refinancing
- Raise red flags for insurance underwriters
Without a formal plan in place, many lenders will decline or postpone applications — especially on affected property titles.
What Mortgage Lenders Require
- A professional survey by a UK-recognised contractor
- A written treatment plan with schedule and proof of action
- Monitoring and treatment record logs (up to 5 years)
- Insurance-backed guarantees (in some cases)
KnotEnd supplies all this as standard — with rapid turnaround and no jargon.
How KnotEnd Gets You Approved
We work closely with solicitors and surveyors to deliver lender-ready documentation. Whether you’re selling, buying, or refinancing:
- Site survey within 48 hours (subject to area)
- Custom treatment plan built to lender expectations
- Documentation ready to submit to legal or mortgage teams
- Clear paper trail in case of future dispute
If you're on a deadline, just let us know — we prioritise urgent requests.
Mortgage FAQs
Can I still sell my house with knotweed?
Yes. It’s legal to sell a property with knotweed — but only if you disclose it and show you're actively managing it. We’ll handle the legal documentation for you.
Will a lender refuse if knotweed is nearby?
It depends. Some lenders refuse, others approve if there’s a formal treatment plan in place. Our plans are accepted across the UK by major banks and brokers.
Do I need an insurance-backed guarantee?
Sometimes. If required, we’ll include one — or connect you with our guarantee partner. You’ll be fully covered either way.
Will biological treatment be accepted?
Yes — when combined with a professional plan and monitoring log. Our documents meet lender criteria and comply with mortgage regulations.