Mortgage lender refusal due to spray foam
Why it happens here
Lenders treat spray foam as a high-risk material because it can conceal structural defects and trap moisture. In Fishergate, where many properties are Victorian and already prone to damp, the risk is heightened. A valuation surveyor's note is often enough to stop a mortgage.
Our approach
We remove the foam, inspect the timbers, and issue a removal certificate with photographs. Most high street lenders accept this as evidence that the risk has been addressed, allowing the mortgage to proceed.