Mortgage lender refusal due to spray foam in the loft
Why it happens here
Westminster's housing market moves on valuations, and most lenders now treat non compliant loft insulation as an unacceptable risk. A single flagged loft can stall an entire chain of buyers in SW1.
Our approach
We remove the foam, photograph and moisture-test every exposed timber, and provide a written record your surveyor can attach to the valuation. That documentation is usually what gets the mortgage approved.