The Spray Foam Issue – Why It’s Making Homes Unmortgageable

The Spray Foam Issue – Why It’s Making Homes Unmortgageable

If you’ve had spray foam insulation installed in your loft – or you’re considering buying a property that has – this blog is for you.

Spray foam has been marketed as a quick-fix, energy-saving solution, often sold to homeowners with promises of better insulation and lower heating bills. But while the intention may be good, the reality is starting to catch up with the market in a big way.

So What’s the Problem?

Spray foam in lofts isn’t illegal – but it’s rapidly becoming a red flag for mortgage lenders. That means that if your home has spray foam insulation in the roof space, getting a mortgage (or remortgaging) could become difficult or even impossible.

The issue lies in how the foam affects the property:
• Moisture Traps: Closed-cell spray foam can block airflow and trap moisture against roof timbers, leading to rot and long-term structural issues.
• Hidden Damage: Surveyors can’t properly inspect roof timbers if they’re covered in foam, so lenders see it as a risk.
• Removal Is Costly: If removal is required to get a mortgage approved, the process is invasive, time-consuming, and expensive.

Why Are So Many Homes Affected?

The boom in spray foam installation, particularly during lockdown periods when energy savings were in high demand, saw many homes treated – often through cold-calling and high-pressure sales tactics. Some companies failed to explain the long-term implications, especially when it comes to future saleability or refinancing.

Now, as buyers and sellers come to the table, surveyors are flagging properties with spray foam, and lenders are pulling back.

What Can You Do If Your Property Is Affected?
1. Speak to a Professional: There are specialist firms that assess and, if needed, remove spray foam insulation. It’s worth getting a qualified opinion before making any decisions.
2. Keep Documentation: If you had the work done professionally, keep all certifications, warranties, and installation notes. Some lenders may still consider the property if the work is proven to be high-quality and well-ventilated.
3. Be Upfront with Buyers: Transparency helps. If you’re selling, disclose the spray foam situation early so buyers and brokers can plan accordingly.
4. Get Specialist Advice: We work closely with surveyors and mortgage brokers who understand this issue in depth. If you’re worried, we’re here to help assess your options.

Final Thoughts

The spray foam insulation issue is a classic example of good intentions turning into unforeseen obstacles. It’s not about blame – it’s about solutions. If you’re unsure where you stand or want advice before making your next move, get in touch. We’re happy to help.

Team AQ