Mortgage refusal due to spray foam in the loft
Why it happens here
Most UK lenders treat spray foam as a risk because it can hide timber defects and block roof ventilation. In Larkhall, where Victorian terraces dominate, surveyors flag it regularly. The lender then refuses to lend until the foam is gone and the roof is proven to be sound.
Our approach
We remove the foam, inspect the timbers with a boroscope inspection camera, and document everything with photos and moisture readings. The report we provide is written for lenders and surveyors, so your broker can send it straight to the underwriter without another site visit.