- 08001 930655
- homeandenergysolutions@outlook.com
- 71-75 Shelton Street, London, WC2H 9JQ
Trouble Selling or Re-Mortgaging Because of Spray Foam Insulation?
Our Expert Team Safely Removes Spray Foam and Restores Mortgage Approval—Serving All of England and Wales!
Spray foam insulation, once popular for its energy-saving benefits, is now a growing concern for homeowners. Increasingly, banks and mortgage lenders across the UK are rejecting mortgage applications for properties with spray foam installed in the roof.
This type of insulation has been linked to hidden issues such as timber decay and damage to roofing membranes. These problems are often concealed beneath the foam, only becoming apparent when significant structural damage has already occurred—resulting in expensive repair work.
The most effective way to protect your property and regain mortgage eligibility is through professional spray foam insulation removal. Our experienced team specialises in the safe, thorough removal of spray foam from lofts and roof spaces. We then install lender-approved alternatives designed to safeguard your roof and meet current mortgage requirements.
We proudly offer reliable spray foam removal services throughout England and Wales, helping homeowners restore their properties and move forward with confidence.
Homeowners need to be aware of the potential long-term damage that spray foam insulation can cause to roof structures and timber joinery.
Although insulation providers often promote spray foam for its energy-saving benefits—such as reduced heat loss and lower utility bills—they rarely highlight the serious risks. A growing concern is that many UK mortgage lenders and high street banks are now refusing to approve mortgages or remortgages on properties where spray foam has been installed in lofts or roof spaces.
Spray foam works by tightly sealing the roof area, but this also significantly reduces ventilation around roof timbers and membranes. While this may improve insulation performance, it can also trap moisture. The lack of airflow creates ideal conditions for condensation to form between the insulation and roofing materials. Over time, this can result in timber rot, decay, and structural damage.
Considering that most mortgage terms last 25 to 30 years, a roof compromised by spray foam insulation can deteriorate considerably—leading to expensive repairs and even rendering the property unsuitable as loan security.
If you’re planning to buy, sell, or remortgage a property with spray foam insulation, it’s essential to consult your mortgage broker or lender in advance. Many lenders are hesitant to finance such properties, and those that do may impose higher interest rates, additional conditions, or reduced loan-to-value ratios.
Understanding these risks early can save you time, money, and frustration—especially if you’re navigating a property transaction.
At Home and Energy Solutions, we help UK homeowners take control of rising energy costs with tailored solar solutions designed to save money and support a greener future.
Copyright 2025: Home and Energy Solutions