---
title: "Spray Foam Insulation Mortgages"
description: "Mortgage Lane advises homeowners and buyers affected by spray foam insulation mortgage problems on which lenders will consider the property and what evidence to provide."
url: "https://mortgagelane.com/insights/spray-foam-insulation-mortgages"
site: "Mortgage Lane"
collection: "posts"
date: "2026-07-09"
author: "Seren Norton"
category: "Insights"
reviewed: "2026-10-01"
reading_time: "20 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# Spray Foam Insulation Mortgages

Mortgage Lane advises homeowners and buyers affected by spray foam insulation mortgage problems on which lenders will consider the property and what evidence to provide.

Which lenders will consider a property with spray foam insulation, and what evidence to provide.

[Spray foam insulation](https://mortgagelane.com/definitions?term=spray-foam-insulation)

Valuation

Polyurethane foam sprayed onto the underside of a roof, or onto walls or floors, as insulation. It can hide the roof timbers from inspection and trap moisture, so valuers often ask for a specialist report and lenders commonly decline it or refer the case.

[Read the full definition of Spray foam insulation](https://mortgagelane.com/definitions?term=spray-foam-insulation)

## Spray foam insulation mortgage experts

Speak to a Mortgage Lane adviser about your options.

## In short

A spray foam insulation mortgage problem occurs when a mortgage lender declines, delays or adds conditions to a loan because the property has spray foam insulation fitted to its roof or loft, usually because the foam stops the roof timbers being fully seen and can mask, or contribute to, damp and timber decay.

*Mortgage Lane advises homeowners and buyers affected by spray foam insulation mortgage problems: which lenders will consider the property, and what evidence borrowers can provide in support of the application.*

## Spray foam insulation must be correctly assessed before a lender will proceed

Spray foam is generally viewed with caution by mortgage lenders. Spray foam insulation mortgage problems arise because many lenders decline it or refer it for more evidence, and some will not lend until the insulation has been inspected and reported on. Lenders that publish a route treat loft, roof and rafter-level foam differently depending on the type of foam and where it is, as the sections below show. Foam fitted directly to the underside of the roof timbers or sarking felt covers the timbers, which then cannot be fully seen or inspected.

## Specialist placement for buyers, sellers and homeowners remortgaging

We help buyers, sellers and homeowners who are [remortgaging](https://mortgagelane.com/definitions#def-remortgage) a property with spray foam loft or roof insulation. Matching the case to a lender depends on the foam type, the property's construction, the valuer's report and whether a specialist damp and timber survey is available, and getting that match right before applying reduces the risk of delay or decline.

[Speak to a specialist and check your eligibility](https://mortgagelane.com/contact)

## How lenders and valuers assess spray foam insulation

Lenders instruct valuers to report on the property. A valuer who finds spray foam during the [mortgage valuation](https://mortgagelane.com/definitions#def-mortgage-valuation) may ask for an independent specialist report, and the results can affect the valuer's opinion of value, according to the [RICS consumer guide on spray foam insulation](https://www.rics.org/consumer-guides/spray-foam-insulation) published by [RICS (the Royal Institution of Chartered Surveyors)](https://mortgagelane.com/definitions#def-royal-institution-of-chartered-surveyors). Some high street lenders publish a route for spray foam, and some lenders will not proceed without a specialist report confirming the condition of the roof timbers underneath. So a property with spray foam insulation can fall outside a lender's rules even when it is otherwise in good condition.

When comparing spray foam insulation mortgage lenders, look at the evidence each lender requires as well as its headline decision to accept or decline; the type and location of the foam also affect the outcome.

A full assessment should consider:

- Foam type: open cell or closed cell
- Location: loft insulation, roof or rafter insulation, or foam in a wall cavity
- Age and installer or warranty documentation
- Whether the valuer can access and see the roof timbers
- Availability of a specialist damp and timber (or PCA-registered) report
- Whether removal has already taken place

Taken together, these factors show whether a specific lender is likely to accept a property with spray foam insulation, since each lender applies its own rules.

## Spray foam insulation mortgage lender criteria

*Spray foam insulation mortgage lender criteria*

| Criteria | Detail |
| --- | --- |
| Maximum loan to value (LTV) | Set by each lender and product. There is no market-wide maximum, and many lenders decline or refer spray foam. As one lender's example, Together's property type index (checked 29 September 2026) lists 75% for spray foam under the roof, subject to valuation, to how Together classifies the property, to the product and to Together's full assessment. Lender rules can change. |
| Borrowers | Personal, Ltd co, LLP and trusts, where the lender and product accept that type of borrower |
| Repayment type | Capital repayment, interest only or part and part, where the lender and product allow it |
| Term | Up to 40 years for a residential mortgage in Mortgage Lane's experience; the lender and product set the term |
| Foam type accepted | Varies by lender, and depends on the type of foam and where it is. For example, Coventry Building Society's published criteria consider spray foam only if it is breathable and not closed cell, certified and covered by a transferable insurance-backed warranty, while Nationwide's say it will not lend where foam is in the wall voids (both checked 30 September 2026). These are single lenders' rules, which can change. |
| Survey required | Often: a valuer who finds spray foam may ask for an independent specialist report, such as a damp and timber or PCA-registered report; some lenders accept an invasive chartered surveyor inspection instead |
| Valuation type | Standard mortgage valuation first; where foam is present the case may be referred for a specialist report |

## Types of spray foam insulation and how lenders treat them

Lender appetite for spray foam insulation mortgage applications depends heavily on where the foam has been applied and which type was used, and lenders treat each scenario differently: loft foam, roof foam, and closed cell or open cell foam.

## Spray foam loft insulation mortgage

Spray foam loft insulation mortgage problems typically arise when foam has been sprayed directly onto the underside of the roof rafters or roofing felt, instead of insulation being laid between or over the ceiling joists in the traditional way. Foam applied in the loft can seal moisture in against the timber and roofing felt unless adequate precautions are taken, and that is what concerns lenders and valuers.

Published lender criteria show the range for loft foam. Coventry Building Society considers loft spray foam only if it is certified (BBA, BRE or Kiwa) and covered by a transferable insurance-backed warranty, and it also sets a rule on the foam type (see closed cell and open cell foam below). Nationwide will reconsider foam in the rafters with installation evidence or, where the foam was installed more than two years ago, an invasive inspection by a chartered building surveyor. Aldermore declines spray foam in the roof space (criteria checked 29 September 2026; Aldermore guide dated June 2026). These are single lenders' published rules, which can change; they do not show which lenders Mortgage Lane uses or decide any application.

Depending on the lender, a case may still be considered where:

- A historic foam installation has no installer documentation, but an invasive inspection of the roof timbers is available
- A specialist timber and damp report supports the application
- The foam is open cell, where the lender's rules turn on the foam type
- Partial or full removal has already been carried out, at a lender that accepts a home after removal (see removal below)

If you are trying to get a mortgage with spray foam loft insulation, speak to us before you commit to a survey. An adviser checks which lenders' current criteria fit the foam and the property, and what evidence would support the application.

## Spray foam roof insulation mortgage

Spray foam roof insulation mortgage problems arise where foam has been sprayed onto the rafters, sarking felt or the underside of the roof tiles. The valuer then cannot fully inspect the condition of the timber and the roof covering, which can lead to a mortgage decline or a "subject to specialist report" condition.

Lenders that consider spray foam roof insulation mortgage applications look for evidence such as:

- A specialist roof and timber survey confirming no evidence of decay, damp or ventilation problems
- Confirmation that the foam is open cell rather than closed cell, where the lender's rules turn on the type
- Installer certification, a transferable warranty or building control sign-off
- A condensation risk assessment, which Nationwide's published route asks for

Published policies on spray foam roof insulation in the UK range from declines (Kensington declines spray foam, and Aldermore declines it in the roof space) to evidence routes (Nationwide and Coventry Building Society) and consideration subject to the valuer's comments (NatWest), so the choice of lender follows the evidence available (criteria checked 29 September 2026; Kensington and Aldermore documents dated June 2026).

## Closed cell vs open cell spray foam insulation mortgage

At some lenders the type of foam decides whether they will proceed. Coventry Building Society, for example, considers spray foam only if it is breathable and not closed cell, so open cell foam is viewed more favourably there (criteria checked 30 September 2026). Open cell foam is the more breathable type, while closed cell foam is denser, seals the timber it covers and is harder to inspect without an invasive investigation.

Some lenders and valuers treat closed cell foam more cautiously. Foam can trap moisture against the timber unless adequate precautions are taken, and a roof leak behind some types of spray foam may go unnoticed and lead to rotting timber, according to the RICS consumer guide. Evidence that can help includes:

- Confirmation of the foam type from the original installer or a specialist surveyor
- Closed cell installations supported by an intrusive or semi-invasive timber inspection
- Open cell installations supported by a specialist damp and timber report
- Evidence that closed cell foam has been partially or fully removed

Knowing which type of foam is present before you apply helps match the case to a lender whose rules accept it, and avoids an unnecessary decline.

## How lenders assess spray foam insulation mortgage applications

### Valuer referral and automatic flagging

A valuer who sees spray foam reports it and may ask for an independent specialist report before giving an opinion of value. At some lenders the first response is automatic: Nationwide's criteria say its valuer declines foam in the rafters, frame or underfloor at first, and Nationwide then reconsiders with installation evidence or an inspection report. A referral of this kind pauses the mortgage offer until the information is provided.

### Foam type and application method

Lenders differentiate between types of foam, and between foam applied to rafters, sarking felt or ceiling joists. Nationwide will not lend where foam is in the wall voids (criteria checked 29 September 2026), and at lenders such as Coventry Building Society the foam type decides the case. Closed cell foam and roof-level applications are harder to inspect for the condition of the timber underneath.

### Specialist damp and timber reports

Where foam is present, a lender or its valuer may ask for a report confirming the condition of the roof timbers, the ventilation and any evidence of decay or damp, for example from a Property Care Association (PCA) member or an equivalent qualified surveyor. Nationwide's published route accepts an invasive inspection by a chartered building surveyor (FRICS or MRICS) where the foam was installed more than two years ago.

### Installer certification and warranty

Documentation from the original installer, including any Building Control sign-off, product certification such as BBA, BRE or Kiwa, and an insurance-backed guarantee, can support an application by evidencing correct installation and ongoing cover. Coventry Building Society asks for a transferable insurance-backed warranty, and Nationwide for a transferable warranty alongside its installation evidence.

### Ventilation and condensation risk

Badly installed insulation can lead to uncontrolled condensation, and foam that removes roof ventilation can let condensation form against timber. Lenders and surveyors look for evidence of adequate ventilation, or remedial ventilation works, alongside the insulation, and Nationwide asks for a condensation risk assessment.

### Removal as a condition of lending

Whether removal is a condition of lending depends on the lender. A lender with an evidence route, such as Nationwide, may not need the foam removed, while Accord Mortgages declines homes where spray foam was used even after it has been removed. Check the intended lender's rule before paying for removal, particularly where a specialist report identifies decay or inadequate ventilation, or where the foam type cannot be confirmed.

### Insurance and resale considerations

Buildings insurers set their own terms, so check whether your insurer asks about spray foam insulation. Its presence can also affect the pool of future buyers and lenders when the property is resold, because each buyer's lender applies its own rules, and [underwriters](https://mortgagelane.com/definitions#def-underwriting) may factor that into their overall risk assessment.

### Regional and property type variation

Where spray foam is combined with other features a lender treats with caution, such as listed status or [non-standard construction](https://mortgagelane.com/definitions#def-non-standard-construction), each feature is assessed under the lender's own rules, which can narrow the pool of available lenders further. Lender rules for property in Scotland, Wales and Northern Ireland are covered in the UK section below.

## Common reasons spray foam insulation mortgage applications are declined

## No visibility of roof timbers

If foam prevents the valuer or surveyor from seeing the condition of the timbers at all, some lenders will decline rather than refer, particularly where no specialist report is offered upfront.

## Closed cell foam with no documentation

Closed cell foam with no confirmation of the installer, the date or the product type can lead to a decline, because it removes the lender's ability to assess the risk.

## Evidence of damp or timber decay

Where a specialist report identifies existing decay, rot or damp linked to the insulation, lenders may decline until remedial works, including removal, have been completed.

## Inadequate roof ventilation

Foam applied without adequate roof ventilation can trigger a referral or decline, because it increases the long-term condensation risk.

## Unrelated credit or affordability issues

A spray foam insulation mortgage problem can be compounded by unrelated credit or affordability issues, which can make lenders less willing to accommodate the additional insulation risk.

[Learn more about spray foam insulation and mortgages](https://mortgagelane.com/contact)

## Why mortgage lenders are cautious about spray foam insulation

### The core concern is the roof timber

Lenders are assessing the security, so their core concern is the condition of the roof timbers under the foam. The foam's thermal performance as insulation is a separate matter. If the timber roof structure is covered with spray foam it cannot be fully seen or inspected, according to the RICS consumer guide, so its condition is hidden from the valuer.

### Why foam became a widespread issue

Spray foam is fitted to existing homes as an energy efficiency retrofit, and lenders now commonly decline or refer it. The [RICS consumer guide on spray foam insulation](https://www.rics.org/consumer-guides/spray-foam-insulation) says the presence of spray foam is a factor that could affect a surveyor's opinion of value, and that a surveyor who finds it may ask for an independent specialist report.

### Why this differs from other insulation types

Traditional loft insulation, such as mineral wool laid between joists, does not generally restrict inspection of the roof structure, which is why it does not carry the same lending caution as sprayed foam applied directly to rafters or felt.

## Removing spray foam insulation before a mortgage application

### When removal is recommended

Removal may be recommended where a specialist report identifies decay, where the foam type cannot be verified, or where a lender has already declined and removal would widen the choice of lender. Check first whether the lenders you are likely to use accept a home after removal (see removal as a condition of lending above).

### What removal typically involves

Removal involves specialist contractors stripping the foam from the timbers, followed by a further inspection to confirm the condition of the roof structure and, where needed, remedial timber treatment or replacement.

### Re-applying for a mortgage after removal

Once foam has been removed and a clear specialist report obtained, more lenders may consider the property, though some still decline it and others ask for confirmation of the works carried out.

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## Spray foam insulation mortgages across the UK

**Spray foam insulation mortgage problems England**

Lenders apply their published spray foam rules to properties across England, including homes where foam was fitted as an energy efficiency retrofit, so the evidence routes and declines described above apply. We help buyers and homeowners across England identify lenders who will consider properties with spray foam insulation, matching the application to the foam type, the property's construction and the specialist reports available.

**Spray foam insulation mortgage problems Scotland**

Lenders apply their own spray foam rules to Scottish property, and traditional construction, such as solid-wall homes, is assessed under each lender's construction rules alongside the foam. A lender that considers Scottish properties with spray foam insulation on their individual merits looks for the right survey evidence.

**Spray foam insulation mortgage problems Wales**

Older stone and solid-wall homes in Wales with spray foam fitted are assessed under each lender's rules for the construction and for the foam. We check which lenders' criteria accept the construction types involved, and which lenders will consider spray foam insulation mortgage applications supported by the right specialist evidence.

**Spray foam insulation mortgage problem Northern Ireland**

Spray foam insulation mortgage problems in Northern Ireland are assessed under each lender's own spray foam rules. Lenders' criteria for Northern Irish property also differ, so the lender's policy for Northern Ireland and its spray foam rules are both checked before an application goes in with the right specialist documentation.

## Documents needed for a spray foam insulation mortgage application

## Specialist damp and timber report

A report from a PCA-registered surveyor or equivalent, confirming the condition of the timbers, ventilation, and any evidence of decay.

## Installer documentation

Original installation certificates, product data confirming foam type, and any insurance-backed guarantee.

## Building Control records

Evidence of Building Control notification or sign-off where the works were carried out under building regulations.

## Removal or remedial works evidence

Invoices, certificates or photographs showing that foam has been partially or fully removed, or confirming completion of remedial timber works.

*This content is for informational purposes only and does not constitute mortgage advice. Lending criteria and availability vary by lender and individual circumstances.*

## Related mortgage insights and guides

- [2026](https://mortgagelane.com/guides/declined-mortgages/spray-foam-roof-insulation-mortgage-declinations)Guide[Spray foam roof insulation mortgage declinations](https://mortgagelane.com/guides/declined-mortgages/spray-foam-roof-insulation-mortgage-declinations)Spray foam roof insulation mortgage declinations occur when a lender refuses to lend because spray polyurethane foam has been applied to the underside of the roof structure and is considered to increase security risk.[Read more about Spray foam roof insulation mortgage declinations](https://mortgagelane.com/guides/declined-mortgages/spray-foam-roof-insulation-mortgage-declinations)
- [2026](https://mortgagelane.com/guides/declined-mortgages/mortgage-refused-spray-foam)Guide[Mortgage refused spray foam](https://mortgagelane.com/guides/declined-mortgages/mortgage-refused-spray-foam)A mortgage refused spray foam decision occurs when a lender determines that spray polyurethane foam insulation applied to a roof structure creates unacceptable structural or resale risk.[Read more about Mortgage refused spray foam](https://mortgagelane.com/guides/declined-mortgages/mortgage-refused-spray-foam)
- [2026](https://mortgagelane.com/mortgages/non-standard-construction-mortgages)Mortgage[Non-Standard Construction Mortgages](https://mortgagelane.com/mortgages/non-standard-construction-mortgages)Non-standard construction mortgages: how lenders and valuers assess PRC, BISF, Cornish, timber frame, Colt, thatch, spray foam and modern methods of construction.[Read more about Non-Standard Construction Mortgages](https://mortgagelane.com/mortgages/non-standard-construction-mortgages)

## Frequently asked questions and answers about spray foam insulation mortgages

**Q: Can I get a mortgage with spray foam insulation?**

faq-id: can-i-get-a-mortgage-with-spray-foam-insulation

Yes, it is possible to get a mortgage with spray foam insulation, but not all lenders will accept it. Many lenders decline or refer spray foam, and those that consider it look at the foam type, where it is and the evidence available, such as installation certification, a transferable warranty or a specialist damp and timber report confirming the roof timbers are in good condition.

**Q: Does spray foam insulation affect my mortgage?**

faq-id: does-spray-foam-insulation-affect-my-mortgage

Yes, spray foam insulation can affect a mortgage application. A valuer who finds it may ask for an independent specialist report, and the results can affect the valuer's opinion of value, according to the RICS consumer guide on spray foam insulation. The application can pause until a specialist report confirms the condition of the roof timbers underneath, and some lenders decline spray foam outright.

**Q: Why do mortgage lenders not like spray foam insulation?**

faq-id: why-do-mortgage-lenders-not-like-spray-foam-insulation

Mortgage lenders are cautious about spray foam insulation because it can prevent valuers and surveyors from inspecting the condition of the roof timbers underneath. That makes it harder to assess whether damp, decay or ventilation problems are present: badly installed insulation can cause condensation, and a roof leak behind some types of foam may go unnoticed and lead to rotting timber, according to the RICS consumer guide on spray foam insulation.

**Q: Can you get a mortgage with spray foam loft insulation?**

faq-id: can-you-get-a-mortgage-with-spray-foam-loft-insulation

Sometimes, depending on the lender, the foam and the evidence. Coventry Building Society considers loft spray foam only if it is breathable and not closed cell, certified by BBA, BRE or Kiwa and covered by a transferable insurance-backed warranty (published criteria checked 29 and 30 September 2026), while Aldermore declines spray foam in the roof space (guide dated June 2026). Problems typically arise where foam was sprayed onto the rafters or roofing felt, instead of insulation being laid over the ceiling joists, and a valuer may still ask for a specialist report. These are single lenders' published rules, not Mortgage Lane's panel.

**Q: What is a mortgage-approved spray foam insulation?**

faq-id: what-is-a-mortgage-approved-spray-foam-insulation

There is no single industry-wide standard or approval scheme defining "mortgage-approved" spray foam insulation. Lenders that publish a route set their own evidence. Coventry Building Society, for example, considers foam that is breathable and not closed cell, installed to the manufacturer's instructions, certified by BBA, BRE or Kiwa and covered by a transferable insurance-backed warranty, and Nationwide asks for installation evidence such as a suitability report, a condensation risk assessment and BBA certification with a transferable warranty, or a specialist survey where the foam is more than two years old (criteria checked 29 and 30 September 2026). These are single lenders' published rules, not Mortgage Lane's panel.

**Q: Can you get a mortgage with spray foam insulation?**

faq-id: can-you-get-a-mortgage-with-spray-foam-insulation

Yes, some specialist and mainstream lenders will consider a property with spray foam insulation. Others decline it or refer the application for further investigation, so the property is matched to a lender according to the foam type and the evidence available.

**Q: Does spray foam insulation stop you getting a mortgage?**

faq-id: does-spray-foam-insulation-stop-you-getting-a-mortgage

Not necessarily. Spray foam insulation does not automatically stop a mortgage application succeeding, but it reduces the number of lenders willing to proceed and may mean a specialist report or, at some lenders, removal before an offer is issued. Removal does not always solve it, because some lenders decline a home even after removal.

**Q: Which mortgage lenders accept spray foam insulation?**

faq-id: which-mortgage-lenders-accept-spray-foam-insulation

There is no fixed list, because lender acceptance of spray foam varies and changes over time. Published criteria checked on 29 September 2026 show the range: Nationwide reconsiders foam in the rafters, frame or underfloor with installation evidence or a chartered surveyor's inspection, Coventry Building Society considers breathable, certified and warranted loft foam, and NatWest considers it subject to its valuer's comments, while Kensington declines spray foam and Aldermore declines it in the roof space (both documents dated June 2026). A broker checks the current criteria of the lenders that could suit the specific foam type and property. These are single lenders' published rules, which can change; they do not show which lenders Mortgage Lane uses or decide any application.

**Q: Can I remortgage a house with spray foam insulation?**

faq-id: can-i-remortgage-a-house-with-spray-foam-insulation

It is possible, but a remortgage to a new lender is a new application. The new lender's valuer and spray foam rules apply as they would on a purchase, so expect it to ask for confirmation of the foam type and condition, through the valuer or a specialist report.

**Q: What are the common spray foam insulation mortgage problems in the UK?**

faq-id: what-are-the-common-spray-foam-insulation-mortgage-problems-in-the-uk

Common spray foam insulation mortgage problems in the UK include valuer referrals, requests for specialist damp and timber reports, a smaller choice of lenders and, at some lenders, an outright decline. Removing the foam does not always help, so check the intended lender's rule before any removal work.

**Q: Can I sell a house with spray foam insulation?**

faq-id: can-i-sell-a-house-with-spray-foam-insulation

Yes, a house with spray foam insulation can be sold, but the buyer's mortgage lender will apply its own spray foam assessment criteria. Providing a specialist report and installer documentation upfront can help avoid delays during the buyer's mortgage application.

**Q: Can spray foam insulation cause damp or timber decay?**

faq-id: can-spray-foam-insulation-cause-damp-or-timber-decay

It can. Spray foam can seal in moisture unless adequate precautions are taken, badly installed insulation can cause uncontrolled condensation, and a roof leak behind some types of foam may go unnoticed and lead to rotting timber, according to the RICS consumer guide on spray foam insulation. That underlying risk to the roof timbers is what lenders and surveyors assess.

**Q: Do I need a specialist survey if my roof has spray foam insulation?**

faq-id: do-i-need-a-specialist-survey-if-my-roof-has-spray-foam-insulation

Often, yes. A valuer who finds spray foam may ask for an independent specialist report before giving an opinion of value (RICS consumer guide), such as a damp and timber report from a Property Care Association (PCA) member. Lenders' evidence routes differ: Nationwide, for example, accepts installation evidence or, where the foam was installed more than two years ago, an invasive inspection by a chartered building surveyor before a mortgage offer can proceed (criteria checked 29 September 2026). These are single lenders' published rules, not Mortgage Lane's panel.

**Q: Do I need to remove spray foam insulation to get a mortgage?**

faq-id: do-i-need-to-remove-spray-foam-insulation-to-get-a-mortgage

Not always. Some lenders publish evidence routes that do not require removal: Nationwide reconsiders foam in the rafters, frame or underfloor with installation evidence or a surveyor's inspection, though it will not lend where foam is in the wall voids. Removal may be considered where a specialist report identifies decay or inadequate ventilation, where the foam type cannot be confirmed, or where a lender has declined and removal would open up further options, but Accord Mortgages declines homes where spray foam was used even after it has been removed (both lenders' criteria checked 29 September 2026). Check the intended lender's rule before paying for removal. These are single lenders' published rules, not Mortgage Lane's panel.

**Q: Does Barclays lend on properties with spray foam insulation?**

faq-id: does-barclays-lend-on-properties-with-spray-foam-insulation

Barclays sets its own spray foam policy, which can change, so an adviser checks Barclays' current criteria against the foam type, its location and the evidence available before an application. Published policies at other lenders range from evidence routes, such as Nationwide's, to outright declines, such as Kensington's.

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Published: 2026-07-09

Last reviewed: 2026-10-01

Source: https://mortgagelane.com/insights/spray-foam-insulation-mortgages