Why Spray Foam Insulation Could Stop You Getting a Mortgage

Spray foam insulation has been promoted as a quick fix for energy efficiency. But homeowners across the UK are finding it creates big problems when they try to sell or refinance their property.

The finance issue

• Most lenders will not approve mortgages or equity release if spray foam is present in the roof.

• Surveyors cannot inspect roof timbers once they are sealed with foam.

• Professional bodies such as RICS and the Property Care Association have warned that spray foam can reduce property value and block finance approvals.
  

  

  Closed Cell Spray Foam

Real-world impact

• Mortgage applications have been refused because of spray foam insulation.

• Equity release deals have been blocked until foam is removed.

• Sales have fallen through when surveyors highlighted the presence of spray foam.
  

When removal is enough – and when it isn’t

• If foam is applied over roofing felt, it can often be removed safely.

• If it is sprayed directly onto tiles or slates, the roof may not be recoverable and replacement could be required.
  

Our solution

• Safe, professional spray foam removal

• Documentation provided for surveyors and lenders

• Service available across Lancashire, Greater Manchester, Merseyside, Cheshire, and Cumbria.

If spray foam insulation is stopping your mortgage or equity release, there is a solution. Contact us today for a roof inspection and advice on the best next steps.