Spray foam and your mortgage: what to know
If your roof has spray foam under it, you may have heard it can cause trouble when selling or remortgaging. Here’s why, and what can be done.
Why lenders are wary
Spray foam applied to the underside of a roof covers the timbers, so a surveyor can’t see their condition. It can also trap moisture against them. Many lenders ask for it to be removed or inspected.
What removal involves
The foam is cut and scraped off by hand, bagged and taken away, leaving the timbers visible. Then the loft can be insulated on the floor in the usual way.
Evidence
We photograph the cleared roof so you have something to show your surveyor or lender.
Common questions
Will removing it fix my mortgage problem?
It gives a surveyor a clear view of the roof, which is usually what lenders need. Check with your lender.
How long does removal take?
Usually one to three days.
Find out what your loft needs, in plain words
Tell us about your home. We’ll explain the options and send a written quote. No obligation.