Mortgage refusal due to spray foam in the loft
Why it happens here
Lenders and surveyors treat spray foam as a risk because it hides roof timbers and can trap moisture. In Seaton Carew, where coastal weather already stresses roofs, they are especially cautious. Many sales and remortgages stall until the foam is removed and documented.
Our approach
We remove the foam, inspect the timbers underneath and provide a completion report with photos. The report confirms ventilation is clear and the roof is sound, which is what lenders in County Durham need to see before they proceed.