Mortgage refusal due to spray foam insulation
Why it happens here
Lenders treat spray foam as a risk because it can trap moisture and void roof warranties, and many policies require it to be removed before a mortgage completes. In York Place, the high property values mean surveyors are thorough, and even a small amount of foam can trigger a retention.
Our approach
We remove the foam, check the timbers, and provide a written report with photographs that satisfies most lenders. We prioritise jobs with a mortgage deadline and can usually survey within 24 hours of your call.