UK Specialist Spray Foam Removal

Spray Foam Blocking Your Mortgage? We Solve It.

Your home. Your future. Spray foam insulation installed years ago is now stopping thousands of homeowners from selling, remortgaging, or getting a new deal — and your lender won’t budge until it’s gone.

★★★★★ 4.9/5 from 320+ reviews | 1,200+ properties cleared | 24/7 emergency callout

Get Your Free Loft Survey

Tell us about your property — we’ll come to you, assess the foam type, and give you a fixed written quote. No hidden costs, no deposit required.

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100% confidential · No spam · Call us instead: 07383 037931

The Problem

Is Spray Foam Stopping You From Moving?

Spray foam insulation was widely promoted between 1990–2015. Now it’s one of the biggest hidden problems in the UK housing market — and it doesn’t take sides. Council houses, private homes, bungalows and terraces alike are all affected.

Mortgage Refused

Over 50 major UK lenders now automatically decline mortgages on properties with spray foam in the loft — regardless of when it was installed or what type it is.

Remortgage Rejected

Coming off a fixed rate and your lender won't renew? Spray foam is typically flagged during a valuation survey and stops the remortgage in its tracks.

Sale Fallen Through

Your buyer's surveyor found spray foam in the loft and the mortgage lender has withdrawn their offer. Without removal, you cannot complete the sale.

Survey Red Flag

A Level 2 or Level 3 survey has flagged spray foam and recommended specialist investigation. Buyers are being advised to walk away without written removal evidence.

Damp & Timber Rot

Closed-cell spray foam traps moisture against your roof timbers, causing hidden rot that can only be identified once the foam is removed — a serious structural risk.

Equity Release Blocked

Planning to release equity in retirement? Spray foam is now one of the top reasons equity release applications are declined by providers like Aviva and Legal & General.

Halifax (Lloyds Group)
Nationwide Building Society
Barclays Mortgages
Santander UK
NatWest / RBS
HSBC UK
Accord Mortgages
Virgin Money
TSB, Yorkshire BS, Clydesdale + more

SOURCE: BSA / UK Finance guidance 2023–2024. List non-exhaustive. All policies subject to change.

Why Your Lender Said No

The Technical Reason Spray Foam Kills Mortgages

Lenders aren’t being difficult — they’re following RICS guidance. Here’s exactly why they refuse, and why removal resolves the issue completely.

Spray foam bonds to roof timbers, making it impossible to inspect the structural condition of the timber — a requirement for all mortgage valuations.
Closed-cell foam can trap moisture and accelerate timber decay. Open-cell foam can collapse and cause damp, making the property structurally unacceptable as security.
There is no UK standard for spray foam — no approved installer qualification, no warranty that mortgage lenders accept. Removal and an independent RICS certificate is the only recognised solution.
Once the foam is removed and the roof timbers are inspected, a specialist RICS surveyor can issue a Specific Defects Report confirming the roof structure is sound — and this is accepted by all major lenders.

Know Your Foam

The Different Types — and Why All Are a Problem

Regardless of which type was installed in your loft, all spray foam creates a lending risk. Our specialist teams are trained in safe removal of every type.

Closed-Cell

Rigid Closed-Cell Foam

The most common type used in loft conversions. Creates a hard, rigid layer that completely encases roof timbers. Most severe mortgage issue — highest risk of trapped moisture and timber concealment.

Open-Cell

Flexible Open-Cell Foam

Softer, sponge-like texture — often applied by government-backed schemes in the 2000s. Can absorb moisture and collapse over time, creating damp problems and mould risk.

Expanding

Expanding / Gap-Fill Foam

Used around edges, pipes and gaps. Often used alongside insulation boards but can itself constitute spray foam according to RICS and lender criteria.

How It Works

From Survey to Certificate in 5 Steps

We handle everything — from the initial free assessment through to the RICS-accepted certificate your lender needs. No need to chase multiple contractors.

01

Free Loft Survey

We visit your property, identify the foam type, quantity, and assess timber condition. Completely free with no obligation.

02

Fixed Written Quote

You receive a clear, itemised quote within 24 hours. The price is fixed — nothing changes on the day. No deposit taken.

03

Professional Removal

Our specialist teams remove all foam safely using industry-approved methods, protecting your roof structure throughout.

04

Timber Inspection

Once foam is removed, all exposed timbers are inspected for rot, damage or movement. Any issues are documented and can be rectified.

05

RICS Certificate

We arrange an independent RICS surveyor to issue a Specific Defects Report — the document your mortgage lender requires.

Everything Covered

What's Included in Every Job

Our service is comprehensive — you’re not just paying for foam removal. You’re getting a complete resolution to your mortgage problem.

Free Initial Survey

A thorough loft inspection to identify foam type, coverage, and any underlying issues — completely free of charge.

Complete Foam Removal

Professional removal of all spray foam from rafters, boards, and timber surfaces using specialist equipment.

Waste Disposal

All foam waste is bagged, removed, and disposed of responsibly in accordance with environmental regulations.

New Loft Insulation

We re-insulate your loft to current building regulations (270mm mineral wool) as standard — keeping your home energy efficient.

New Loft Insulation

All exposed roof timbers are inspected for moisture damage, rot, or movement — with a full written report provided.

RICS Certificate

Accepted by all major UK mortgage lenders. If any lender does not accept our certificate, we re-survey completely free.

Pricing Guide

Estimate Your Removal Cost

Use our cost estimator to get an idea of typical pricing before your free survey. Actual quotes are fixed and include everything listed above — no hidden fees.

Cost Estimator

For illustrative purposes only. Your free survey provides the definitive fixed quote.

Loft/Roof Area (m²)

Foam Type

Loft Access

Include Re-Insulation?

—

Typical cost range (excluding RICS certificate, which is ~£350–£500 additional). Get your free, fixed written quote — no obligation.

Book My Free Survey

Why Choose Us

Spray Foam Removers vs The Alternatives

Not all spray foam removal companies are equal. Here’s how we compare to typical general builders or unqualified providers.

What Matters	Spray Foam Removers ✓	General Builder	Unqualified Provider
Lender-Accepted RICS Certificate	✓ Included	✗ Cannot provide	✗ Not offered
Free Re-Survey if Lender Declines	✓ Guaranteed	✗	✗
Fixed Written Quote (No Surprises)	✓ Always	Variable	Variable
No Deposit Required	✓	Often required	✗
Specialist Foam Removal Equipment	✓	✗	Sometimes
Timber Inspection Report Included	✓	✗	✗
Re-Insulation to Building Regs	✓ Included	Extra cost	✗
24/7 Emergency Response	✓	✗	✗

Real Reviews

What Homeowners Say After We Cleared Their Foam

Over 320 verified reviews across Google and Checkatrade. These are real people who had their mortgage blocked — until we helped.

★★★★★

“Our sale was a week away from falling through. Halifax had completely withdrawn their mortgage offer after the valuer found spray foam. Spray Foam Removers came out within 48 hours, removed everything and got us the RICS certificate. Completion happened on time. I cannot thank them enough.”

ST

Sarah T.

Oxford, OX4

Verified Review · Google · June 2024

★★★★★

“We’d been refused by Nationwide when we tried to remortgage after our fixed rate ended. Three other companies wanted deposits upfront and couldn’t provide the RICS certificate. These guys did the whole job — removal, new insulation, certificate — for a fixed price and nothing upfront. Incredible service.”

MK

Michael K.

Reading, RG2

Verified Review · Checkatrade · April 2024

★★★★★

“I’m 68 and was trying to release equity to help my daughter buy her first home. L&G refused because of spray foam. I thought I was stuck. From first phone call to receiving the RICS certificate took 10 working days. Equity release went through two weeks later. Genuinely life-changing for our family.”

PM

Patricia M

Berkshire, RG14

Verified Review · Google · February 2024

★★★★★

“The lads were professional, tidy and fast. They explained exactly what they were doing throughout. The loft looks better than before they arrived — new insulation, clean timbers and the RICS report was with me within 5 working days. Well worth every penny for the peace of mind.”

DW

David W.

Cornwall, TR1

Verified Review · Checkatrade · March 2024

★★★★★

“We were buying a house and our surveyor flagged spray foam on the inspection. The vendor thought the sale was dead. We recommended Spray Foam Removers — they sorted it in three days and our lender accepted the certificate. Both parties very happy — deal completed!”

LH

Lisa H.

Surrey, GU1

Verified Review · Google · June 2024

★★★★★

“Excellent from start to finish. The survey was thorough and honest — they told me exactly what type of foam I had (rigid closed-cell) and why it was causing my mortgage issue. The removal crew were brilliant. Fixed price stuck. Certificate came quickly. Barclays happy. I’m happy.”

RB

Robert B.

Devon, EX1

Verified Review · Google · January 2024

4.9 ★

Average Rating

320+

Verified Reviews

1,200+

Properties Cleared

100%

Certificate Acceptance Rate

Common Questions

Everything You Need to Know

Why does spray foam stop me getting a mortgage?

Spray foam bonds directly to the roof rafters and timbers, making it impossible for a mortgage surveyor to inspect the condition of the structure — which is a requirement for almost all mortgage valuations. The RICS (Royal Institution of Chartered Surveyors) has issued guidance that spray foam significantly affects lender confidence in a property’s structural integrity. Until the foam is removed and an independent specialist confirms the timbers are sound, lenders will decline. This applies regardless of whether the foam was installed yesterday or 20 years ago.

How much does spray foam removal cost?

A typical 3-bed semi-detached with standard closed-cell foam removal costs between £3,200 and £5,500 including removal, waste disposal, new mineral wool insulation, and the RICS Specific Defects Report. Open-cell foam is generally lower cost (£2,200–£3,800 for a similar property). We provide a free survey and a fixed written quote — the price you receive is the price you pay, with no hidden extras. No deposit is required.

Will your RICS certificate be accepted by my mortgage lender?

Yes. We work with RICS-registered surveyors who provide a Specific Defects Report that is accepted by all major UK mortgage lenders, including Halifax, Nationwide, Barclays, Santander, NatWest, HSBC, and more. In the rare event that a lender does not accept our certificate (which has not happened to date), we will arrange and pay for a re-survey completely free of charge.

How long does the removal process take?

Most standard loft removals take between 1–3 days on site, depending on the size of the property and the type and amount of foam present. The RICS certificate is typically issued within 5–7 working days of removal. From initial free survey to certificate in hand usually takes 2–3 weeks. If you have an urgent completion deadline, contact us immediately on 07383 037931 — we operate 24/7 and can often prioritise urgent cases.

Do you require a deposit?

No. We never ask for a deposit. You receive a fixed written quote, and payment is only due once the work has been completed to your satisfaction. This is part of our commitment to transparency and trust — we understand you’re already under pressure with your property transaction.

What if spray foam has damaged my roof timbers?

This is a real possibility, particularly with closed-cell foam, which can trap moisture against timbers over many years. Once removed, all timbers are inspected. If we identify rot, movement or structural damage, we will document it clearly in a written report and provide a separate quote to repair or treat any affected timber before the RICS surveyor visits. In most cases, timber issues are minor and easily resolved — and we can handle repairs as part of the same project.

Can I sell my house without removing the foam?

Technically yes, but in practice it’s extremely difficult. You would be limited to cash buyers only — no mortgage buyer’s lender will lend on the property. Cash buyers are aware of this and will typically offer significantly below market value (10–25%) to reflect the risk and cost of removal. In most cases, paying for removal and obtaining the certificate results in a higher net return than accepting a discounted cash offer.

The foam was installed under a government scheme — can I claim compensation?

Between 2013–2019, spray foam was installed under the Green Deal and ECO schemes by approved installers. Some homeowners have successfully pursued compensation from their installers or the scheme administrators. This is a separate legal matter — we can help by providing documentation of the foam found and removal costs, which may be useful for a compensation claim. Speak to a specialist housing solicitor for advice on this route.

Do you work across all of England and Wales?

Yes. Spray Foam Removers operates nationwide across England and Wales through Spray Foam Removers, with teams based across multiple regions to ensure rapid response. We cover Cornwall, Devon, Somerset, Dorset, Wiltshire, Hampshire, Surrey, Kent, Berkshire, Oxfordshire, Buckinghamshire, Gloucestershire, London, and beyond. Call us to confirm availability in your area.

Coverage

Areas We Cover

We operate nationwide across England and Wales. If you don’t see your area below, call us — we almost certainly cover it.

Oxford
Reading
Swindon
Newbury
Basingstoke
Southampton
Portsmouth
Winchester
Salisbury
Bournemouth
Exeter
Plymouth
Truro
Taunton
Bristol
Gloucester
Cheltenham
Worcester
Guildford
Farnham
London
Brighton
Chichester
Maidstone
Canterbury

+ All surrounding towns and villages · Call 07383 037931 to confirm availability

HG

Sister Company of Home Guard Group

About Us

Specialists Built on 25+ Years of Roofing Expertise

Spray Foam Removers is the specialist arm of Home Guard Group — a family-run roofing company proudly serving South England since 1996. When spray foam became the UK’s fastest-growing mortgage problem, we built a dedicated division to solve it.

Unlike general contractors who attempt foam removal as a sideline, our teams are trained exclusively in spray foam identification and removal. We understand the lender requirements, the surveyor process, and the urgency of property transactions.

Checkatrade Member

Background-checked & reviewed

Fully Insured

£5m public liability · Employer's liability

Home Guard Group

Part of an established roofing family business since 1996

25+

Years of Experience

1,200+

Properties Cleared

320+

Verified Reviews

4.9★

Average Rating

50+

Lenders We Work With

100%

Cert Acceptance Rate

Our Work

Our Recent Spray Foam Removal Projects

Explore some of our recently completed spray foam insulation removal projects. Our experienced team safely removes spray foam insulation, cleans and prepares roof timbers, and leaves every roof ready for surveys, mortgage valuations, or future roofing work.

Ready to Resolve This?

Don't Let Spray Foam Cost You Your Sale or Mortgage

Every week you wait is another week your property transaction is stalled. Book your free survey today — we’ll give you a fixed quote within 24 hours, with no deposit and no obligation.

Get In Touch

Book Your Free Loft Survey

Fill in the form below and we’ll get back to you within 2 hours during business hours. For urgent enquiries, call us directly — we’re available 24/7.

Full Name

Phone Number

Email Address

Postcode

Property Type

Why Do You Need Removal?

Type of Foam (if known)

Any Additional Information

Sent directly to our team · info@homeguardgroup.co.uk · No spam ever

Contact Details

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Our team is available 24/7 for emergency enquiries. No call centres — you speak directly to our specialists.

07383 037931

⚡ 24/7 Emergency Callout

Email Us

For non-urgent enquiries, or to send survey reports and lender correspondence for review.

info@homeguardgroup.co.uk

Send us a photo of your loft and we'll give you an initial assessment before booking a survey.