Across Greater London and the surrounding areas, more mortgage lenders and banks are turning down applications for properties with spray foam insulation in the roof.

While spray foam can improve energy efficiency, it’s also been linked to serious problems like timber decay and damage to roofing membranes. These issues often go unnoticed, as they’re hidden beneath the insulation — and by the time they’re found, the repair costs can be high.

The safest option is to have the spray foam professionally removed. Our experienced team specialises in carefully removing insulation from lofts and roof spaces, replacing it with materials that meet lender approval. This not only helps protect your roof but also restores your chances of getting a mortgage or remortgage.

We offer reliable spray foam removal services throughout England and Wales.
Call us on 0161 000 001 or fill out our quick online form — we’ll get back to you as soon as possible.

Homeowners should be aware that spray foam insulation can cause long-term damage to roof structures and timber joinery if not properly managed.

While insulation companies often promote benefits like reduced heat loss and lower energy bills, they rarely mention the risks. One of the most serious concerns is that many banks and mortgage lenders now refuse to approve mortgages or refinancing on homes with spray foam insulation in the loft or roof space.

Spray foam creates an airtight seal in the roof area, but this also limits airflow around the timbers and membranes. Although it may improve energy efficiency in the short term, the lack of ventilation can trap moisture between the insulation and roofing materials. Over time, this can lead to timber rot, decay, and serious structural problems.

Since most mortgages last 25 to 30 years, any damage caused by spray foam insulation can worsen significantly over time, leading to expensive repairs or even making the home ineligible for use as loan security.

If you’re planning to buy, sell, or re-mortgage a property with spray foam insulation, it’s important to speak with your lender or mortgage advisor first. Many lenders are cautious about such properties and may decline the application or offer stricter terms and higher interest rates.

Once we’ve removed the existing spray foam insulation, we can install new, compliant insulation to help keep your home warm and energy efficient.

We offer a variety of insulation options to match your property’s needs and your budget, including Rockwool loft insulation, Kingspan insulation boards, and Celotex PIR boards.

Making sure your loft insulation meets current fire, health, and safety standards — as well as your mortgage lender’s requirements — is essential.

By using trusted, high-performance materials, we help improve your home’s energy efficiency and reduce your heating bills over time.