Home Owners/Buyers/Sellers (Mortgages)

Japanese Knotweed Mortgage Problems

Does your property have Japanese knotweed mortgage problems? The majority of the UK major lenders will refuse to lend against a property if their surveyor identifies Japanese knotweed at a property you are purchasing, selling or even re-mortgaging, especially if it is located within seven metres of habitable space. This is due to the aggressive nature of the plant and potential damage it can cause to the building, consequently severely affecting the value of the property.

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

A description of the property with an accurate record of the Japanese

Knotweed infestation

Any past treatments undertaken

Objectives, including timescales

A scaled plan with dimensions and supporting photographs

The full details of the contracting organization and a description of the methods to be used to eradicate Japanese Knotweed and the associated risks of that method

A suggested monitoring period

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.


With Property Care Association (PCA) Certified Surveyors of Japanese Knotweed (CSJK) accepted by 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.

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 to discuss.