Mortgage refusal due to spray foam in the loft
Why it happens here
Lenders treat spray foam as a risk because it hides roof timbers and can trap moisture. In Wellington, many Victorian terraces were insulated this way years ago, and surveyors now flag it routinely during purchases.
Our approach
We remove the foam, inspect the timbers, and provide a documented report with photos. Lenders and surveyors accept our paperwork because we work to BBA approved methods and show the roof structure clearly.