Japanese Knotweed Mortgage

Japanese Knotweed Mortgage

Are you looking at buying a property that has had or currently has Japanese knotweed located close to it? Find out your options here.

Japanese knotweed mortgage

It is no secret that lenders do not like Japanese knotweed being located close to their security property.

The reason is that Japanese knotweed is an invasive plant that spreads quickly.

A typical distance lenders use when determining whether the Japanese knotweed is close to the building is 7 metres. The plant can grow up to 10 cm per day and soon cover a large area.

Japanese knotweed is a big problem as, due to its invasive nature and fast-paced growth, it can find its way into vulnerable parts of a property, such as cracks, and then cause structural damage to the property.

As a result, this puts the building at significant risk and can reduce the property’s value due to the remedial work needed to fix the building.

If you are aware of Japanese knotweed being located close to your property, you should consult a firm of experts to come and professionally remove the plant, offering you a warranty for peace of mind in the future should it return.

You should never attempt to remove the plant yourself, as this may result in spreading the seeds, only worsening the problem. you can find guidance from Gov.uk on How to stop Japanese knotweed from spreading.

A professional Japanese knotweed removal company will cut it at the correct points and spray the required herbicides onto the plant to permanently eradicate it.

The company should offer you a warranty should the Japanese knotweed ever return in the same area.

If the Japanese knotweed has been professionally treated or a surveyor does not believe it is close enough to a property to cause a problem, lenders should not have an issue offering a mortgage on the property.


An expert mortgage adviser on the phone speaking to a customer

Should I buy a property that has Japanese knotweed nearby?

If a property is for sale with Japanese knotweed located nearby, it may still be a good investment for the right person.

If the Japanese knotweed was cleared and professionally treated, so it would not return, it may make sense to proceed with the property.

The important thing is to make sure that you do your thorough research to ensure that the problem can be rectified and that structural damage to the property has not occurred.

If you were to carry out a complete structural survey on the property you are buying, this would tell you whether Japanese knotweed or any other Factor has caused damage to the building. The surveyor will be a member of the Royal Institution of Chartered Surveyors.

As a result, it may still make sense to buy the property knowing that there is Japanese knotweed present as long as you have a clear plan of how to sort the problem and have consulted the right professionals.

Can you get a buy to let mortgage on a property that has Japanese knotweed?

Getting a buy to let mortgage on a property with Japanese knotweed will work similarly to a residential mortgage.

A buy to let lender would need to be comfortable that the Japanese knotweed is not within a near enough distance to the building to put the property at risk.

The lender may decline the application if it’s evident that it’s within dangerous proximity to the building or already causing a problem.

On some occasions, if a surveyor visits a buy to let property and informs the lender of the Japanese knotweed, they may insist that the Japanese knotweed is entirely removed at this point with evidence that the work has been done and is under warranty before offering funds. The lender would likely send the surveyor out again to verify this has happened.

Buy to let mortgages are different from residential mortgages in that they are underwritten mainly based on the rental income that the property will attract.

If you are thinking of taking a buy to let mortgage and there is Japanese knotweed located close to the property, you should talk to a professional mortgage advisor who can tell you your options.

Japanese knotweed growing inside property

Bridging loans for Japanese knotweed?

If you are looking to buy a property with Japanese knotweed extremely close to the building, to the point that it is already causing damage, this may mean mortgage lenders will no longer accept the building as security property.

In this instance, there will likely be options with bridging lenders that can lend to you when buying properties that do not meet the criteria for a standard-term mortgage.

A bridging loan may be a solution if you want to buy a property that has been negatively impacted by Japanese knotweed, then remove the Japanese knotweed professionally, complete the remedial work to repair the property and then refinance back onto a standard mortgage when the Japanese knotweed and effects of it have entirely gone.

Taking a bridging loan to buy a property with Japanese knotweed is a more expensive way of borrowing due to higher interest rates on bridging loans than mortgages.

This may, however, be the only borrowing option if standard-term mortgage lenders are not prepared to accept the property.

Due to the cost of bridging finance, you should always take professional advice and ensure that if you plan to keep the property at the end of the bridging loan, you meet the criteria for a standard re-mortgage.

Your bridging loan broker will likely be a member of theThe National Association of Commercial Finance Brokers (NACFB).

If you would like I NEED ADVICE to match you with a bridging loan broker that can advise you on bridging loans for properties with Japanese knotweed. Please complete the contact form.

Would I need a specialist mortgage broker for a Japanese knotweed mortgage?

You would not necessarily need a specialist mortgage broker to get a mortgage on a property with Japanese knotweed present.
It is usually a case that standard mortgage lenders would either offer the mortgage because the Japanese knotweed is far enough not to cause concern, or it is close, and the lender cannot provide the mortgage. Specialist lenders would often have the same stance.

It is essential to find a mortgage advisor with plenty of experience and talk to them about this problem to see what options they have for you.

If a property is unsuitable for a standard term mortgage due to the Japanese knotweed close by or damage caused, you may require a bridging loan.

If this is the case, you should look for an experienced bridging loan broker who can give you the advice you need to decide whether the proceeding is correct.

Happy mortgage broker giving free mortgage advice over the phone



Japanese knotweed is an invasive plant that can cause significant damage to your property.

It is imperative that if you have Japanese knotweed close by, you should get a professional firm to deal with this problem.

It may still be possible to get a mortgage on the property, assuming the Japanese knotweed is at a safe distance, and that structural damage has not been caused to the property.

In scenarios where it has, getting a bridging loan on the property may still be possible to refinance it later when the Japanese knotweed has been professionally cleaned, and any damage rectified.

This is not a cheap route, so make sure you take professional advice to determine if you qualify for a mortgage or bridging loan.

If you would like I NEED ADVICE to match you with an experienced mortgage or bridging loans advisor to tell you your options. Please complete the contact form.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should consult a qualified professional.

You may also be interested in…


Because we know mortgages can be complicated if you go it alone.

Why match with a mortgage advisOr?

Orange Tick They are experienced, which can boost your chances of being approved.

Orange Tick They can guide you through the whole mortgage process.

Orange Tick They are able to access the whole market, including broker exclusive products.

Get Advice

Our matching service is free and there is no obligation to proceed with the advice.

By completing this form you agree to be contacted about your mortgage enquiry.


Evening Standard
Daily Record
Wales Online
The Sun

How does I NEED ADVICE work?

1st Stage how mortgage advice works

Fill out our quick form so we can match you with the perfect broker. It only takes a few minutes and won’t impact your credit score.

2nd Stage how mortgage advice works

We will match you to an expert mortgage advisor who can help you in your situation.

3rd Stage how mortgage advice works

An expert mortgage advisor will be in touch to guide you through every step of the process.


Calculate your monthly mortgage repayment.

Please note, this is a guide to how much you’d pay on a repayment mortgage, assuming your interest rate stays the same.

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.


“We struggled to make sense of the products available to us in the market on our own. Being put in touch with someone who could understand our circumstances was a huge help. Highly recommended.”

Wayne – Alton

“I was really happy with the mortgage advisor I was matched with. He was very helpful and explained things clearly.”

Tom – Woking

“The person I spoke to got in touch quickly and was able to work out an option for me which I didn’t think I had. Recommended.”

Scott – Selkirk

“My mortgage broker has been really helpful, always responsive, recommended.”

Alastair – Weybridge

“Really useful service, very knowledgeable broker, clearly explained my options”

Charlotte – Addlestone

“Received a call back very quickly from friendly advisor who explained my options… very happy with service.”

Shannon – Leatherhead