Key Takeaways Spray foam can prevent you from switching lenders, leaving you stranded on a costly SVR. A product transfer with your existing lender may be possible without…
Read moreKey Takeaways As of June 2026, lender policy on spray foam has generally tightened, not loosened. Government pressure on lenders to accept grant-installed homes has so far had…
Read moreKey Takeaways A decline means the surveyor could not inspect the timbers — not that your home is condemned. An independent PCA-protocol inspection is always the right first…
Read moreKey Takeaways Every equity-release provider surveyed currently refuses lending on spray-foam properties — this is the toughest segment of the market. The barrier is the same as for…
Read moreKey Takeaways All three banks restrict lending on spray-foam properties, consistent with the majority of UK mainstream lenders. Differences between them tend to be in specific criteria and…
Read moreKey Takeaways NatWest and RBS share the same parent group (NatWest Group) and apply broadly consistent lending criteria on spray foam. Both are listed among lenders that restrict…
Read moreKey Takeaways Nationwide restricts lending on spray-foam properties (as of June 2026) — consistent with mainstream lender behaviour. The surveyor’s inability to inspect the roof timbers is the…
Read moreKey Takeaways Halifax restricts lending on properties with spray foam on roof timbers (as of June 2026). The surveyor’s ability to assess the timber beneath the foam drives…
Read moreKey Takeaways TSB will not offer new mortgages on spray-foam properties under its standard criteria (as of June 2026). Existing TSB customers may be considered case-by-case in some…
Read moreKey Takeaways Most mainstream lenders decline or severely restrict mortgages on spray-foam properties. Equity release is effectively closed — all providers surveyed refuse. A PCA-protocol inspection may satisfy…
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