Japanese Knotweed is an intense subject which can scare the living daylights out of people. But its risk has been overstated and recent guidance looks to take a more balanced approach. So whether you're buying a house with Japanese Knotweed or selling one, here’s everything you need. to know.
Buying a house with Japanese Knotweed and wondering if you should proceed? The presence of Japanese Knotweed is an increasingly common problem highlighted in surveyor reports.
According to research by invasive plant specialists, Environet, approximately 1% of properties in the UK have knotweed. If we also include those properties that share a border with affected properties and are at risk from encroachment the figure could be more like 5%. According to Office for National Statistics there are approximately 27.8 million dwellings in the UK. That’s a whopping 1.39 million homes that might be affected by Japanese knotweed.
So should you cut and run rather than consider buying a house with Japanese Knotweed? Let’s look at all the facts.
The impact on homeowners of having Japanese Knotweed on their properties can be significant. This is because it was believed that the plant’s deep roots meant it had potential, if unmanaged and found within 7 metres of the property, to cause major structural damage to properties. As a result, people buying a house with Japanese Knotweed often found it difficult to get a mortgage. And many home sellers faced the expense of paying for treatment plans. The invasive species’ damage doesn’t stop there; if found, it’s presence has been known to wipe up to 15% off a property’s value.
However, RICS published guidance in 2022 that abolished the ‘seven metre rule’ regarding Japanese Knotweed in favour of a more lenient approach that means surveyors can use their discretion when assessing the impact of the presence of knotweed.
RICS said the advice reflected “an improved understanding” of Japanese Knotweed, adding, “The so-called ‘seven metre rule’ focused more on what has been demonstrated to be an overstated risk of Japanese Knotweed to buildings, rather than its sometimes-serious impact on amenity.”
The body said research has demonstrated, and it’s now generally accepted, that Japanese Knotweed poses little or no risk of structural damage to robust buildings with substantial foundations such as dwellings, as opposed to less sturdy structures with shallow foundations, such as conservatories, garages or boundary walls.
RICS said it also recognises that when Japanese Knotweed is encountered, the most appropriate objective is to ‘ensure an appropriate level of control rather than to automatically strive for eradication.’
And the guidance also adds that in some cases, such as when construction is proposed, “proper control may involve physical removal but in many domestic situations effective control can be achieved by the managed application of herbicides”. This is welcomed news if you’re buying or selling a house with Japanese Knotweed
Need advice on your lenders approach to Japanese Knotweed? Speak to a fee-free mortgage broker today
In previous years, if the words Japanese Knotweed were in the surveyor’s report commissioned by the mortgage lender, that would be enough for some lenders to decline a mortgage application.
This position has evolved over time and lenders are now generally more open to lending in many cases. RICS has a sliding scale of category a to d when it comes to the severity and this broadly fits how lenders will view your Japanese Knotweed problem. These categories are:
Some lenders are happy to lend on category C and D properties, but if it’s a category A or B property they may require a specialist report and the provision of an insurance-backed treatment plan. But there is still no industry-wide standard when it comes to Japanese Knotweed and each lender has its own lending criteria.
Need advice on your lenders approach to Japanese Knotweed? Speak to a fee-free mortgage broker today
Get fee free mortgage advice from our partners at L&C. Use the online mortgage finder or speak to an advisor today.
The TA6 form which your conveyancing solicitor will ask you to complete includes a section 7 on environmental matters, requiring you to tell prospective buyers whether your property has Japanese knotweed. You either need to answer yes, no or don’t know. If yes, you will also be asked to give details of any management and treatment plan in place and supply copies of any insurance policy you have. See below for more on this.
If you know your property has Japanese Knotweed you must declare it; if you knowingly misrepresent any answers on the TA6 form or in replies to further enquiries and the buyer relies on that information when buying the property, the buyer can sue.
When it comes to mortgages, problems haven’t only arisen when Japanese Knotweed is on your property. It has also caused problems if it’s in a neighbouring property or public land nearby. However, the guidance RICS issued in 2022 doesn’t appear to solve this issue. The guidance recommends that “surveyors flag the presence of the weed if it’s visible within three metres of a property’s boundary, such as in a neighbouring garden”. However, it advised this would have “limited impact” and shouldn’t affect mortgage lending.
However, some lenders will decline to lend if there’s an infestation on neighbouring land that it deems to be sufficiently serious.
Japanese Knotweed can be recognised for its lime-green bamboo-like stem, speckled purple and red. It has heart-shaped leaves – with sprouts having a reddish tinge and turning a lime green. In the summer, they produce clusters of creamy-white flowers. And the plant’s extensive roots can penetrate deep into the ground. Japanese Knotweed is fast growing and hard to eradicate.
There are various methods of removing Japanese Knotweed. These include:
The cost of removing Japanese Knotweed will vary on factors such as what method of removal you choose to use and the size of the treatment area. According to Checkatrade, the starting cost for herbicide treatment is around £950 for an area of around two square feet. While the cost of digging out and removing it from a site typically starts at £4,000. But this will vary depending on the extent of the problem.
When it comes to Japanese Knotweed, there is more to consider than the ability to buy or sell your home. Most notably, if you allow it to spread off your land you could be prosecuted.
This is because an amendment to the Anti-Social Behaviour, Crime and Policing Act 2014 includes invasive non-native plants including Japanese knotweed.
For more information, see the guidance from The Environment Agency
When buying a house, it’s a good idea to look out for:
HomeOwners Alliance Ltd is registered in England, company number 07861605. Information provided on HomeOwners Alliance is not intended as a recommendation or financial advice.
Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ, authorised and regulated by the Financial Conduct Authority (FRN: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
HomeOwners Alliance Ltd is an Introducer Appointed Representative (IAR) of Seopa Ltd, for home insurance, authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860).
HomeOwners Alliance Ltd is an Introducer Appointed Representative (IAR) of LifeSearch Limited, an Appointed Representative of LifeSearch Partners Ltd, authorised and regulated by the Financial Conduct Authority. (FRN: 656479).
Independent Financial Adviser service is provided by Unbiased, who match you to a fully regulated, independent financial adviser, with no charge to you for the referral.
Bridging Loan and specialist lending service provided by Chartwell Funding Limited, registered office 5 Badminton Court, Station Road, Yate, Bristol, BS37 5HZ, authorised and regulated by the Financial Conduct Authority (FRN: 458223). Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.