Mortgage refusal due to spray foam insulation
Why it happens here
Lenders in this commuter belt treat spray foam as a high-risk material because it can conceal roof timber rot and void warranties. When a valuer flags it, the mortgage is usually suspended until the foam is removed and the structure confirmed sound.
Our approach
We remove the foam, inspect the timbers with a moisture meter and thermal imaging camera, and issue photo documentation the same week. Your broker can pass it straight to the lender, which keeps the sale on track.