Understand the risks of spray foam insulation and how it may impact your ability to mortgage, remortgage, or sell your property.
What Is Spray Foam Insulation?
Spray foam insulation is a material that expands on application to create a thermal barrier. It comes in two types:
Open-cell foam – breathable and soft
Closed-cell foam – dense and rigid
While often praised for its energy efficiency, closed-cell foam is where mortgage issues typically arise.
Why Mortgage Lenders Reject Homes with Spray Foam
Many UK lenders are now wary of spray foam insulation because of several key risks.
1. Roof Structure Cannot Be Inspected
Spray foam tightly adheres to rafters and boarding, making it difficult for surveyors to assess the condition of the roof. This can result in the roof being labeled “uninspectable.”
2. Moisture Build-up and Timber Rot
Without proper ventilation, spray foam can trap moisture and cause hidden timber decay—especially in older roofs.
3. Insurance and Warranty Problems
Many insurers will not cover properties with spray foam. And if the installation company has ceased trading, your warranty may be void.
Real Consequences for Homeowners
Some of the challenges include:
Mortgage or equity release refusals
Lowered property value
Expensive roof remediation
Difficulty selling the property
📰 As covered by the BBC:
“Spray foam blocked our equity release”
What To Do If You Have Spray Foam
✅ Recommended Steps:
Book a professional inspection
Identify the type of spray foam
Speak to your mortgage broker
Plan for safe removal by a specialist
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Should You Avoid Spray Foam in the Future?
Spray foam isn’t always bad. It works well in new-builds with built-in ventilation systems. But for older UK homes, especially with timber rafters, it may do more harm than good.
Instead, consider:
Mineral wool
Sheep wool
Other breathable loft insulation
Final Takeaway: Mortgage and Spray Foam Don’t Mix
If your roof contains spray foam:
Your mortgage could be at risk
Surveyors may not pass the property
Removal may be the only way forward
Get Expert Spray Foam Removal Help
Don’t risk losing a buyer or a remortgage deal.
Get unbiased advice on your options today.
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