Spray foam insulation is a widely used and effective technique for insulating homes. However, it has become a contentious issue in the mortgage industry, as it can potentially complicate securing a mortgage for properties that have it installed. With over 250,000 homes in the UK featuring spray foam insulation, this issue has become a pressing concern for secured lending. At Countrywide Coatings, we recognise the significance of this issue and endeavour to provide comprehensive guidance on its complexities.

Spray foam insulation, or spray polyurethane foam, is an alternative insulation method to conventional types such as mineral fibre rolls or fibreglass wool. It is applied using spray guns in a liquid state and solidifies into a robust coating. Its fluid form permits simple usage in various areas, such as floors, walls, lofts, or roofs. However, the primary challenge in mortgage lending arises when applied to a property's roof space.

Two primary types of spray foam insulation are available: open-cell and closed-cell. Open-cell foam provides a more flexible and spongy material, whereas closed-cell foam has a sealed cell structure, providing a more stable and firmer end product.

Homeowners often choose Spray Foam insulation due to its insulating properties, which promise to reduce energy bills. Government grants also incentivise homeowners to invest in energy-efficient improvements, increasing the use of spray foam insulation in recent years. However, it is crucial to be aware of the long-term issues associated with it.

Spray foam insulation poses a problem for mortgage lenders as many decline properties with spray foam insulation due to potential issues, whether a residential mortgage or an equity release product. SPF insulation can restrict air circulation, leading to condensation and potentially damaging roof timbers. Closed-cell foam insulation, in particular, can harden excessively, stressing supporting timbers and distorting the roof structure. Its liquid form makes removal challenging and costly, often exceeding the original installation cost. Moreover, removing it might require replacing the entire roof if sprayed directly onto the tiles.

At Countrywide Coatings, we prioritise addressing these issues. While our Classic range of lifetime mortgages considers spraying foam insulation under specific conditions, including BBA approval and adherence to building regulations, advisers must manage client expectations. Currently, most lenders reject properties with spray foam insulation except under stringent conditions.

Advisers must inform clients of the consequences of installing spray foam insulation after completing their lifetime mortgage. It violates mortgage terms and adversely affects property resale value, potentially compromising clients' ability to fund their retirement.

In conclusion, spray foam insulation, which appears to be a straightforward solution, presents complex challenges in the mortgage industry. At Countrywide Coatings, we strive to navigate these complexities, providing informed guidance to advisers and clients.

Other Areas We Operate In

• Bournemouth


• Weymouth


• Corfe Mullen


• Poole

• Wimborne Minster


• Verwood


• Ferndown


• Sherbourne


• Christchurch

• Bridport


• Blandford Forum


• Gillingham


• West Moors

???? Spray Foam Insulation Issues & Inspections: FAQs

1. What do home inspectors look for when evaluating closed-cell spray foam?

Home inspectors are trained to spot warning signs like moisture entrapment, poor ventilation, and timber damage linked to closed-cell spray foam. Learn what they assess and why it matters:
???? Closed-Cell Spray Foam Removal: What Home Inspectors Look For

2. What are the common problems with open-cell spray foam insulation?Open-cell spray foam can lead to air leaks, moisture issues, and sagging over time if not applied correctly. Discover the most frequent problems and how to avoid them:
???? Common Problems with Open-Cell Spray Foam Insulation

3. Can closed-cell spray foam affect indoor air quality?Yes, especially if it hasn't cured properly. Poor application can release off-gassing chemicals that negatively impact air quality. Read more about the health considerations here:
???? How Closed-Cell Spray Foam Impacts Indoor Air Quality

4. Can spray foam insulation make my house unmortgageable?Unfortunately, yes. Many lenders reject properties with problematic spray foam insulation. The good news? Countrywide's removal service can restore mortgage eligibility:
???? How Countrywide's Spray Foam Removal Makes Your House Mortgageable

5. How much does it cost to remove spray foam insulation?Costs vary based on foam type, location, and roof structure. Our detailed breakdown helps you understand what influences pricing:
???? How Much Does It Cost to Remove Spray Foam Insulation?

6. How can I tell if the spray foam in my home is problematic?Watch for discoloration, cracking, condensation, or musty smells. These signs often indicate poor installation or hidden issues. Here's how to spot trouble early:
???? How to Identify Problematic Spray Foam in Your Home

7. Can improper spray foam removal damage my roof?Yes — especially with closed-cell foam. Inexperienced removal can pull up roof materials or compromise the structure. Know the risks before you start:
???? Is Improper Closed-Cell Spray Foam Removal Damaging Your Roof?