Policy updates, lender news and practical guides for UK homeowners.
Key Takeaways Coventry Building Society follows mainstream lender practice on spray foam: restrictions or refusal are typical. The inspection barrier — surveyors cannot see through foam to assess…
Read moreKey Takeaways Virgin Money (now part of Nationwide Group) restricts lending on spray foam properties in line with mainstream practice. The Nationwide acquisition (completed 2024) means some Virgin…
Read moreKey Takeaways Leeds Building Society, one of the UK’s larger regional building societies, follows mainstream lender practice on spray foam. Lending restrictions are driven by the surveyor’s inability…
Read moreKey Takeaways Skipton Building Society follows mainstream lender practice on spray foam: restrictions or refusal are the norm. The core issue is surveyor inability to inspect roof timbers…
Read moreKey Takeaways Spray foam offers genuine thermal performance benefits — particularly closed-cell at rafter level. However, in UK residential retrofit, it has caused widespread mortgage problems affecting ~250,000…
Read moreKey Takeaways Recommended total depth: 270–300mm of mineral wool in a two-layer installation. Install in two layers: ~100mm between joists, ~170mm cross-laid above. Target U-value: 0.16 W/m²K (verify…
Read moreKey Takeaways GBIS closed 31 March 2026 — the largest free-insulation route is gone. ECO4 continues to December 2026 for benefits recipients. Warm Homes: Local Grant continues to…
Read moreKey Takeaways GBIS referral service closed 31 March 2026 — no new referrals accepted. ECO4 (Energy Company Obligation, 4th phase) continues until December 2026 — for benefits recipients…
Read moreKey Takeaways The Green Homes Grant (2020–2021) and ECO schemes funded spray foam in tens of thousands of UK homes. Grant installation does not exempt your property from…
Read moreKey Takeaways Spray foam is not illegal under UK Building Regulations — but installations must comply. Approved Document L covers energy efficiency; Document F covers ventilation. BS 5250:2021…
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