Mortgage Advice
Can Spray Foam Stop a Mortgage Application in the UK?
Yes, spray foam insulation can stop a mortgage application in the UK. Lenders routinely decline or withdraw mortgage offers on properties where spray foam has been applied to the roof structure, citing concerns about hidden timber damage, reduced property value, and the difficulty of carrying out future structural surveys. This article explains why lenders take this position, which types of foam cause the most problems, and — critically — what needs to happen to restore mortgageability.
