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Many UK mortgage lenders refuse to approve loans on properties with spray foam insulation.
If your property has spray foam insulation, you may be encountering difficulties when it comes to selling or refinancing your home. Many lenders now raise concerns over spray foam installations, which can restrict mortgage approvals and, in some cases, make properties harder to sell.
At J & G Solar, we specialise in the safe and professional removal of spray foam insulation, helping homeowners restore their property’s loan eligibility and overall market value. Our expert service ensures all work is carried out responsibly and in line with lender and surveyor requirements, giving you confidence and peace of mind throughout the process.
While spray foam insulation was once marketed as an energy-efficient solution, it has now become a major red flag for mortgage lenders and property buyers. Here’s why:
Mortgage & Selling Issues – Many lenders refuse to approve mortgages on homes with spray foam due to concerns about moisture retention, timber decay, and structural damage. Surveyors often flag it as a risk, making it difficult to sell your home.
Traps Moisture & Causes Timber Decay – Spray foam can prevent proper airflow in your roof space, leading to condensation buildup. Over time, this trapped moisture can cause wood rot, mold growth, and even structural damage.
Hidden Defects & Structural Concerns – Once spray foam is applied, it makes it difficult for surveyors to assess the condition of your roof. This lack of visibility means hidden issues could go unnoticed, making lenders wary.
Reduces Home Value – Homes with spray foam insulation can be devalued, as buyers may need to pay for professional removal before securing a mortgage or home insurance.
Over 80% of mortgage lenders in the UK refuse to approve loans on properties with spray foam insulation.
The UK government has issued warnings about unregulated spray foam installations, as poor application can lead to serious property damage.
Removing spray foam can increase property value by restoring your roof’s integrity and making it mortgage-friendly again.
Some homeowners have lost thousands in property value due to spray foam issues, with some struggling to sell their homes altogether.
At J & G Solar, we offer a safe, efficient, and non-invasive spray foam removal service designed to protect your property. Our experienced team carefully removes the insulation while preserving the integrity of your roof structure. We also carry out full inspections and address any issues caused by trapped moisture, condensation, or inadequate ventilation.
✅ Expert Removal Without Roof Damage
✅ Restores Your Home’s Mortgageability
✅ Improves Airflow & Prevents Future Moisture Issues
✅ Helps Increase Property Value & Marketability
Don’t let spray foam insulation hold you back! If you’re struggling to sell your home or secure a mortgage due to spray foam, contact us today for a professional removal service.
Founded in 2019, J&G Solar emerged to fill a critical void created by the liquidation of existing solar providers. This left countless customers without support for the maintenance and upkeep of their solar power systems.
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J & G Solar Maintenance Ltd, Company Registration Number: 13232826, Registered Office: 57 Southend Road, Grays, Essex, United Kingdom, RM17 5NL