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Why Do Mortgage Companies Request a Wall Tie Report?

If you’re buying, selling, or remortgaging a property and your lender has requested a wall tie survey, it can feel like an unexpected complication – especially if the house appears to be in good condition.

At Trustguard Ltd, we regularly carry out wall tie inspections for homeowners, buyers, sellers, and surveyors across the region. This guide explains why mortgage companies request wall tie reports, what the inspection involves, and how it helps keep property transactions on track.

 

What Are Wall Ties? 

Wall Ties are metal components built into cavity walls to connect the inner and outer leaves of masonry. Their role is to provide strength and stability, ensuring the walls act together as a single structural unit.

In many UK properties- particularly those built between the 1930’s and 1980’s – wall ties were commonly made from mild steel. Over time, these can corrode due to moisture within the cavity. As corrosion progresses, wall ties expand, which may lead to:

  • Horizontal or stepped cracking in brickwork
  • Bulging or bowing external walls
  • Localised masonry damage around tie positions

Why Mortgage Lenders Request a Wall Tie Report

Mortgage lenders need to protect their investments and ensure the property is structurally sound. During a valuation or homebuyer survey, surveyors may identify visible cracking or movement that suggests possible wall tie failure.

In these situations, the lender will often request a specialist wall tie report to:

  • Confirm whether wall ties are present and correctly installed
  • Assess the condition and corrosion level of existing wall ties
  • Determine whether remedial works are required
  • Establish whether the property is safe to lend against

A standard survey cannot provide this level of detail, which is why a specialist inspection is essential.

 

What a Trustguard Ltd Wall Tie Report Includes

At Trustguard Ltd, our wall tie reports are designed to meet mortgage lenders, surveyors, and insurance requirements.

Each inspection is carried out by experienced structural repair specialists and typically includes:

  • A visual assessment of internal and external walls
  • Targeted, non-intrusive drilling where required ti inspect wall ties
  • Identification of wall tie type, spacing, and condition
  • Clear photographic evidence
  • A concises written report with conclusions and recommendations

Where wall ties are found to be satisfactory, this is clearly confirmed in writting for your lender. If issues are identified, we provide a clear and practical repair specification.

 

How the Report Helps the Mortgage Process

A professionally prepared wall tie report helps prevent delays, renegotiations, or declined mortgage offers. Lender often require:

  • A specialist report confirming the cause of cracking
  • Details of any recommended remedial works
  • Certification of completion once repairs are finished
  • A long-term guarantee for wall tie replacement works
  • A company approved by a recognised endorsement
  • A certficate of qualification of the surveyor completing the report

Trustguard Ltd provides full documentation and guarantees, giving lenders confidence and helping transactions progress smoothly.

 

Is Being Asked for a Wall Tie Report a Bad Sign?

Not at all. Many properties referred for wall tie inspections are ultimately found to have no significant defects. It is important to choose the correct company to complete the report, our blog here, shows what to look out for as red flags when booking any surveys.

In cases where remedial work is required, modern wall tie replacement systems are durable, discreet, and designed for long-term performance.

Early investigation often prevents minor issues from becoming costly problems later on.

 

Why Choose Trustguard Ltd?

Trustguard Ltd specialises in structural repair solutions, including wall tie inspections, remedial wall tie replacement, and masonry stabilisation. We are experienced in working alongside homeowners, surveyors, estate agents, and mortgage lenders.

Our reports are:

Need a Wall Tie Report?

If your mortage lender or surveyor has requested a wall tie report, Trustguard Ltd can help.

Contact our team today for professional advice, prompt inspections, and reports designed to keep your property transaction moving with confidence.