Mortgage refusal due to spray foam in the loft
Why it happens here
Lenders in County Durham have tightened their criteria since 2022, and spray foam is treated as a hidden defect risk because it can conceal rotten timbers and failed roof felt. The dense terraces around Church Street and Victoria Road are the worst affected.
Our approach
We remove the foam, inspect and document the timbers underneath, and provide a report with photographs and a waste transfer note. Lenders and surveyors accept our documentation, and we can usually complete the work inside the timescale of a mortgage offer.