Historical article
This article records lender requirements and industry concerns at the time it was published. It should not be relied upon as a statement of current lender policy.
For a transaction-specific historical enquiry, see our guide to checking the Japanese knotweed requirements that applied on the relevant date.
HSBC has become the third major mortgage lender in three weeks to tighten its instructions for conveyancing solicitors regarding Japanese knotweed.
In an update to Paragraph 5.4.4 of Part 2 of the UK Finance Lenders’ Handbook (formerly the CML Handbook), HSBC introduced explicit criteria based on the plant’s proximity to habitable space and boundary lines. Panel conveyancers must notify HSBC immediately if they become aware that Japanese knotweed is present, was previously present, or is suspected on or near the target property.
Breakdown of HSBC’s Japanese Knotweed Rules
HSBC’s criteria rely heavily on the valuer’s assessment, the distance of the plant from habitable structures, and the presence of specialist guarantees.
| Proximity & Impact | Required Documentation & Actions | Mortgage Suitability |
| Neighbouring land (>7m from boundary) | No automatic paperwork required; relies on the valuer’s report. | Valuer confirms if suitable security. |
| Within property boundary or within 7m of boundary (but >7m from habitable space) |
• Minor damage to outbuildings/fences only. • Fully paid-up treatment plan with a qualified specialist (e.g., PCA or INSA member). • Minimum 10-year insurance-backed guarantee upon completion. |
Valuer determines if a survey is needed to confirm security. |
| Within 7m of habitable space (or caused serious structural damage) |
• Japanese Knotweed Survey required. • Fully completed treatment plan by an accredited PCA/INSA specialist. • Official Completion Certificate with a minimum 10-year insurance-backed guarantee in place. |
All documents must be approved by the valuer prior to completion. |
Note: All documentation regarding Japanese knotweed must be submitted directly to HSBC’s valuer to assess potential impacts on property value and security suitability.
Historic Lender Rules & Post-Purchase Knotweed Issues
Lender requirements and industry guidance regarding invasive plants have evolved significantly over time. When knotweed is discovered years after a transaction and creates problems during a resale or remortgage, the key issues often trace back to the original conveyancing process—including what seller disclosures were made, what the lender’s handbook required at the time, and what advice the buyer received.
If you are facing delays or legal queries due to pre-existing invasive plant issues, learn more about handling Japanese knotweed discovered after purchase.
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