An older UK couple reviewing financial documents at home
Mortgages

Equity release and spray foam insulation: what you need to know

Equity-release providers are among the strictest on spray foam. Here's why, what it means for your plans, and how removal gets your application moving.

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An energy assessor with a clipboard outside a UK home
Spray foam basics

Does spray foam insulation affect your EPC rating?

Spray foam can nudge an EPC score up, but that's rarely the point. Here's how it interacts with your EPC, and why the mortgage issue usually matters more.

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A UK homeowner comparing spray foam removal quotes at a kitchen table
Comparison

Best spray foam removal companies UK: an honest comparison

The costly mistake isn't the foam, it's picking the wrong company to remove it. An honest comparison of the main UK options, the criteria that matter, and how to save up to 20%.

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A For Sale board outside a UK semi-detached house
Mortgages

Selling a house with spray foam insulation: your options

You can list a house with spray foam, but the sale usually stalls at the buyer's mortgage. Here are your real options, and the one that reliably works.

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A concerned UK homeowner reading a mortgage decision letter at home
Mortgages

My lender won't approve my mortgage because of spray foam: here's how to fix it

A mortgage refused over spray foam isn't the end of the road. Here's why lenders say no, the paperwork you actually need, and how to get things moving, saving up to 20%.

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House keys resting on UK mortgage paperwork on a desk
Mortgages

Which UK mortgage lenders will lend on a home with spray foam?

Some lenders refuse spray-foam homes outright, others decide case by case. Here's a sourced summary of where UK lenders stand, and how removal reopens your options.

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A vetted specialist documenting a completed lender-ready spray foam removal in a UK loft
Mortgages

What documentation do mortgage lenders need after spray foam removal?

Removal alone won't save your mortgage. You need certified removal plus the documentation lenders ask for. Here's who does that in the UK, and how to save up to 20%.

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A surveyor inspecting spray-foam-covered roof rafters during a UK mortgage valuation
Mortgages

Spray foam flagged in your mortgage survey? What it means and what to do next

A lender flag on spray foam feels like a dealbreaker. It isn't. Here's why it happens, what lenders actually need, and how to get certified removal that satisfies them.

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A row of typical UK houses
Spray foam basics

Why do so many UK homes have spray foam? The story behind the problem

An estimated 250,000 UK homes have spray foam, much of it fitted during the energy-efficiency push. Here's how it happened, and why it became a problem.

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Close-up of dense closed-cell spray foam on roof rafters
Spray foam basics

Open-cell vs closed-cell spray foam: what's the difference?

The two types of spray foam behave very differently, and the difference matters for damp, mortgages and how it's removed. Here's a plain comparison.

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Condensation and damp staining on wooden roof timbers in a loft
Spray foam basics

Does spray foam insulation cause damp and condensation?

Spray foam can trap moisture against your roof timbers, and open-cell foam is the worst offender. Here's how damp develops, the signs to watch, and the fix.

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A technician applying spray foam insulation to a roof space with a spray gun
Spray foam basics

What is spray foam insulation? A plain-English guide

Sold as an energy-saving upgrade, now a reason mortgages get refused. Here's what spray foam insulation actually is, in plain English, and why it matters.

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A specialist removing spray foam from roof rafters with bagged waste nearby
Costs

How much does spray foam removal cost in the UK?

Anyone quoting a fixed price without seeing the job is guessing. Here is what actually drives spray foam removal cost, and what your quote should include.

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Close-up of spray foam insulation on the underside of a UK roof
Spray foam basics

Is spray foam insulation bad? The honest pros and cons

It was sold as an energy-saving upgrade. So why is it now a reason mortgages get refused? An honest look at the pros, the cons and your options.

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