Spray Foam Insulation - Problem Solved With GetAnOffer Estate Agents

20 March, 2025

Spray foam insulation became popular through a government scheme encouraging homeowners to make their houses greener and more energy efficient. The scheme ended in 2021, but homeowners are still keen on saving energy. Unfortunately, many didn't realise that spray foam insulation could cause serious problems, making their homes very difficult or even impossible to mortgage. More and more lenders are worried about properties with spray foam insulation.

At GetAnOffer, we're seeing more homeowners contacting us because they're struggling to sell due to these mortgage issues. Thankfully, we have experience in helping people sell even when spray foam insulation is causing problems.

But first, let's clearly explain what spray foam insulation is, and why banks don't like it:

Spray foam insulation is a material sprayed onto walls or roof spaces to help keep heat inside a home. There are two main types:

1. Open-cell foam: This is soft and allows air to move through it. It doesn't protect against moisture very well but offers better ventilation.
2. Closed-cell foam: This is harder and doesn't allow much air or moisture through. It offers better insulation but can also trap moisture inside roofs and walls.

Banks and mortgage lenders worry about spray foam insulation for a few reasons:

• It can hide roof damage, making it difficult to spot structural problems.
• Moisture can get trapped behind the insulation, causing timber beams to rot.
• Removing the foam can be expensive and complicated if a lender demands an inspection.

If your home has spray foam insulation and you're thinking of selling, here are some practical steps you can take:

• Get a professional survey done to check for problems.
• Find and keep all documents about the installation and type of spray foam used.
• Consider removing the insulation if it's causing major issues. Although it can be costly, this might help make your home easier to sell.

At GetAnOffer, we've successfully helped homeowners sell properties that have spray foam insulation issues. We're here to support you through the process, making selling your home as simple as possible.

For personalised advice and support in selling your property, contact GetAnOffer today. Our team is here to guide you every step of the way.

Freephone: 0800 033 75 43

Local: 01903 331 031

Email: info@getanoffer.co.uk