Can You Get a Mortgage on a Property with Japanese Knotweed?

Buying a property affected by Japanese knotweed can be challenging, but it’s not impossible. This invasive plant can damage drains, foundations, and garden walls—causing mortgage lenders to be cautious. Still, with the right steps, it’s possible to get approved.

Why Are Lenders Concerned?

Knotweed spreads aggressively and can impact a property’s value and structure. Some lenders may decline a mortgage if it’s found on or near the property. Others may approve—if proper measures are taken.

What Do Lenders Typically Require?

To proceed, many lenders will ask for:
• A Property Care Association (PCA) survey (severity A–D)
• A treatment plan from a recognised contractor
• A 10-year insurance-backed guarantee

What to Do if Knotweed Is Found

Don’t panic—it’s manageable. As a mortgage adviser, I suggest:

• Getting a specialist survey early
• Requesting all treatment documents from the seller
• Working with a broker who knows which lenders are knotweed-friendly

The Bottom Line

While it may cause delays, knotweed doesn’t have to stop your homebuying plans. With expert help and the right paperwork, you can still get a mortgage and move forward confidently.

Your home may be repossessed if you do not keep up repayments on your mortgage.