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Surveys & Condition

Invasive plants and the transactions they stall

A plant can affect mortgageability, insurance and liability between neighbours, which is why surveyors look for a small number of species.

A land surveyor at work using equipment on a field in Tavares, Florida.
Photograph by Joice Rivas via Pexels
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There is a short answer about invasive plants and a useful one, and they are not the same. What follows is the useful one.

The short version

  • Lenders in several markets require a treatment plan with a guarantee.
  • Liability can extend to neighbouring land in some jurisdictions.
  • Identification matters, because several harmless plants are mistaken for the problem ones.

A small number of species spread aggressively from fragments of root or stem and are extremely difficult to eradicate. Where they spread onto neighbouring land, some jurisdictions treat that as an actionable nuisance.

Lenders responded by treating presence as a lending risk, which is what turns a garden issue into a transaction issue. Which species are regulated varies by country, and rules on disposal are often strict because contaminated soil counts as controlled waste.

What lenders typically want

Where a lender will proceed at all, the usual requirement is a professional treatment plan with an insurance-backed guarantee running for a period of years. The guarantee is what transfers to a future owner and satisfies the next lender, so its transferability matters more than the treatment itself.

Where it helps most, treatment usually takes multiple seasons, since eradication of established root systems is slow. A property already under a documented, guaranteed plan is a very different proposition from one where the plant has just been found.

Identification is genuinely difficult

Several common and harmless garden plants resemble the regulated species closely enough to cause false alarms. A professional identification costs far less than a treatment plan and should precede any panic or any purchase decision. Equally, absence from the garden does not mean absence, since these plants spread underground and may originate from adjacent land.

Surveyors look at boundaries and neighbouring gardens for exactly this reason.

Disclosure obligations

Many jurisdictions include a specific question about invasive plants on the seller disclosure form. Answering incorrectly where you knew, or reasonably should have known, can create liability after completion. Where treatment has been carried out, the documentation should be disclosed and passed on.

Sellers who suspect an issue are usually better served by identifying and treating it than by hoping the buyer surveyor misses it.

Buying a property with a known infestation

It is possible, and the price should reflect the treatment cost, the guarantee cost and the narrower pool of future buyers. Get the treatment quote before offering rather than after, because the range between a small managed patch and an established stand is very wide. Check whether the source is on your land or a neighbour, since a neighbouring source cannot be resolved by treating your side alone.

A conveyancer should advise on liability and remedies where the source is next door.

Adjust the size of it until it is something you would actually do tired.

Other plants and trees to note

Some trees near a building affect foundations on shrinkable soils, and their removal can trigger heave, so neither keeping nor felling is automatically safe. Protected trees and conservation area rules restrict what you may do, and breaching them carries penalties in many jurisdictions. Ivy, climbing plants and self-seeded saplings in gutters and against walls cause damp and masonry damage that is cheap to prevent and expensive to repair.

On an ordinary week, this is general information; a qualified surveyor or arboriculturalist should assess any specific property.

The takeaway

Identify it properly, then price the treatment plan and the guarantee rather than the plant.

The version you keep doing is the version that works.

Questions readers ask

Does finding it mean the sale is dead?

Not usually. It means a treatment plan, a guarantee and a price conversation. Sales fall through more often from the delay and uncertainty than from the plant itself.

Can I just dig it out?

Almost never effectively, since fragments regenerate, and disposal is regulated as controlled waste in several jurisdictions. Unmanaged removal often spreads it further.

Surveys & Conditionknotweedinvasive specieslendingliability
Gareth Pryce
Editor, The Property Decision

Gareth edits The Property Decision and has sat through more chains collapsing than he cares to count.

Also by Gareth Pryce