Mortgage refusal due to spray foam in the loft
Why it happens here
Lenders classify spray foam as a risk because it hides the roof structure and can trap moisture. Surveyors cannot fully inspect timbers underneath, so they flag it. In Muxton, this is the single most common reason homeowners call us.
Our approach
We remove the foam, photograph the exposed timbers, and provide a written summary your lender can review. We have supported buyers across TF2 postcodes through this exact process and know what documentation lenders want to see.