Mortgage lenders and surveyors are now red-flagging homes with spray foam, making it difficult or impossible to remortgage or sell.

Spray foam insulation may promise lower energy bills and improved heat retention, but many homeowners aren’t aware of the serious risks it can pose. By sealing the roof space, spray foam can restrict airflow to roofing membranes and timbers, which can lead to condensation, damp, and timber rot. Over time, this can cause structural damage that is expensive — and sometimes impossible — to repair.

Mortgage lenders and major banks are increasingly cautious about properties with spray foam insulation. Many refuse to provide mortgages, while others may offer loans at higher interest rates, putting the value of your home and your financing options at risk.

Given that roofs are designed to last 25–30 years, the presence of spray foam can mean your property deteriorates faster than expected, potentially reducing its value relative to your mortgage.

For these reasons, it’s often wise to have spray foam insulation professionally removed. Doing so not only protects your roof and home structure but also restores your property’s value and mortgage eligibility.