Mortgage refusal on foam-insulated Park homes
Why it happens here
Lenders and surveyors treat spray foam as a risk because it can hide structural damp and rot. In Park, where many homes were foam-insulated under older grant schemes, this comes up constantly during sales.
Our approach
We remove the foam to a standard surveyors accept, check the timbers while we are in the loft, and provide dated photos plus a written record. That documentation is usually what gets the lender over the line.