More and more banks and mortgage lenders across the UK are refusing mortgage applications on homes with spray foam insulation installed in the roof.

Although spray foam can boost energy efficiency, it has been linked to serious issues such as timber rot and damage to roofing membranes. These problems are often hidden beneath the insulation, making them difficult to detect until they cause significant structural damage and lead to costly roof repairs.

The safest and most reliable solution is professional spray foam insulation removal. Our expert team specializes in the careful and efficient removal of spray foam insulation from lofts and roof spaces. We replace it with lender-approved alternatives that help protect your roof and restore your property’s mortgage eligibility.

We provide trusted spray foam removal services across England and Wales.
Call us today on 0800 3680289 or fill out our quick online enquiry form — a member of our team will get back to you promptly.

Homeowners should be aware of the potential long-term damage that spray foam insulation can cause to roof structures and timber joinery.

While insulation companies often highlight the benefits—such as reduced heat loss and lower energy bills—they rarely disclose the risks. One of the most serious concerns is that many mortgage lenders and high street banks are now refusing to approve mortgages or refinancing on properties with spray foam insulation installed in the loft or roof space.

Spray foam works by sealing the roof area, but this also restricts airflow to roof timbers and membranes. While this may improve energy efficiency, it can create the perfect conditions for condensation to form between the insulation and the roofing materials. Over time, this trapped moisture can lead to timber decay, rot, and severe structural issues.

Given that most mortgages span 25 to 30 years, a roof compromised by spray foam insulation can deteriorate significantly – potentially resulting in costly repairs or even making the property unsuitable as collateral for a loan.

If you’re looking to buy, sell, or re-mortgage a property with spray foam insulation, it’s vital to speak with your mortgage broker or lender first. Most lenders are reluctant to finance homes with spray foam in the roof, or they may impose higher interest rates and stricter conditions.

After removing your existing spray foam insulation, we can install new, compliant insulation to keep your home warm and energy efficient.

We offer a range of insulation options to suit your property and budget, including Rockwool Loft Insulation, Kingspan Insulation Boards, and Celotex PIR Boards.

It’s important that your loft and insulation meet your mortgage lender’s requirements, as well as current health, safety, and fire regulations.

By using high-quality materials, we ensure your home stays energy efficient – helping you lower your heating bills in the long run.