Quick Answer

Mortgage lenders may reject homes with knotweed unless there’s a treatment plan with an insurance-backed guarantee (IBG).

Why Lenders Worry

  • Risk of property value drop.

  • Potential structural & hard-surface damage.

Step-by-Step for Buyers

  1. Get a survey.

  2. Ask for treatment paperwork.

  3. Ensure the guarantee is insurance-backed (IBG).

  4. Notify your lender early.

Lender Policies

Lender Policy
Nationwide Accepts with treatment plan
Halifax Requires insurance-backed guarantee
Santander Case-by-case

FAQ

Q: Can I still buy a property with knotweed?
A: Yes, if professional treatment is in place.

Q: How long are guarantees valid?
A: Usually 5–10 years, transferrable.

About the Author
Written by Lee Roberts, invasive weed consultant with 500+ property treatment plans across South Wales.

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