Spray foam causing mortgage refusal
Why it happens here
Lenders and valuers have tightened their rules on spray foam, particularly where it is closed cell or where it blocks roof ventilation. In Aspley, a lot of homes were insulated during the free-insulation drives, and those installs are now being flagged during sales and remortgages.
Our approach
We remove the foam to a standard a valuer can sign off and provide a written report with photographs. We have done this enough times in Aspley to know what lenders want to see, and we make sure the paperwork covers it.