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

June 9, 2025
WARNING: A New Insulation Scam Targeting UK Homeowners
June 9, 2025
Timing is Everything: When (and If) You Should Re-Insulate Your Home
By Mel Work June 8, 2025
Spray foam isn’t just causing problems in your loft — it’s blocking home sales across the UK.
By Mel Work June 4, 2025
A ‘quick fix’ that’s now a mortgage nightmare for thousands.
By Mel Work June 2, 2025
The painful truth behind cheap spray foam removal quotes — and how free advice could save you thousands.
By Mel Work May 26, 2025
A true story from one of the thousands of UK families caught in the spray foam trap.
By Mel Work May 12, 2025
When you think of home improvements, you probably imagine fresh paint, new carpets, maybe even a smart thermostat. But insulation? That’s the behind-the-scenes hero that keeps us warm and keeps the bills down. Or is it?
May 9, 2025
Homeowners across the UK are being warned of a growing scam involving rogue cold callers...
By Mel Work May 5, 2025
An honest look at the pros, cons, and what to watch out for
By Mel Work May 1, 2025
The home improvement stopping Brits from unlocking their equity.
More Posts