How the New Lender Guidelines on Spray Foam Affect You

Told Your Mortgage Is at Risk Because of Spray Foam?

You're not alone—and you're not doomed.


Thousands of UK homeowners are caught in the same storm:

You insulated your loft to save money…

Now you're being told you can't sell or remortgage because of it?


What?


The rules are changing—and finally, they're starting to make sense.


But here's what you really need to know before you rip out your insulation or lose sleep over your sale…



Spray Foam: Once a Hero, Now a Headache


I was in your shoes when a client rang in tears—her buyer had just pulled out.

Why?

Because the surveyor said “spray foam = no mortgage.”


Here’s what turned spray foam from eco-upgrade to enemy:


  • Bad installs
  • No ventilation
  • Scaremongering about rot and condensation


Result?

Perfectly good homes labelled “unmortgageable.

Sales collapse.

People stuck.


But hold on—change is here.



The Breakthrough: New Lender Guidelines Are Finally Here


Only a few know this yet, but lender attitudes are softening.


Here’s the scoop:


  • Not all foam is the same. Closed-cell is tricky. Open-cell—done right—is sometimes fine.
  • Proof works. Independent assessments are now accepted by many major lenders.
  • You may or may not need removal. A proper inspection could save you thousands.


This isn’t theory.

This is already helping people sell and remortgage again—without the panic.



So… What Should You Do?


Already got spray foam?

And you’ve hit a wall with a sale or mortgage?


Don’t assume the worst.


Book an expert inspection. Our professional contractors give clear, unbiased reports that lenders trust.


Buying a home with spray foam?


Negotiate with power. If it’s installed properly and documented, you’ve got leverage.


Don’t just go on looks. Our assessments go deeper—so you don’t get stung later.



Time Matters


Lender criteria are evolving—but many still haven’t caught up.

Tomorrow might be too late to salvage that sale.


Book your inspection now.

Let’s get your paperwork sorted before a buyer backs out.


Call 0345 850 0445 or [click here to contact us].

You're not alone—and you're not doomed.



Share this article

March 28, 2025
The Hidden Costs of Cheap Spray Foam Insulation Removal...
March 20, 2025
The Latest Issues with Spray Foam Insulation in the UK: Insights from Adam Gough, Insulation Expert.
March 7, 2025
With Spring Arriving, is Now The Best Time...
March 7, 2025
A Growing Concern for Homeowners...
February 10, 2025
Cool Down and Get Your Deposit Back.
February 10, 2025
We are currently investigating these claims...
January 22, 2025
Unmasking the Myth: The Truth Behind the Spray Foam Register
December 6, 2024
The Importance of SFACUK.ORG
By Mel Work December 6, 2024
Understand How We Help, and Protect Yourself From Scams.
November 29, 2024
The Process of Spray Foam Insulation Installation and the Importance of a Handover Pack.
More Posts