Selling or remortgaging a home with spray foam
Spray foam often comes to light when a surveyor or valuer looks in the loft. What happens next depends on the lender and on the paperwork you can show.
What the surveyor does
- RICS, the surveyors' professional body, says spray foam is a factor that could affect a surveyor's opinion of value, and a surveyor who finds it may ask for an independent specialist report[1].
- RICS says the surveyor also has to follow the instructions and policy of the lender they are valuing for, and advises checking with your mortgage provider whether its lender policy allows spray foam[1].
Lenders set their own rules on spray foam, so ask your lender or broker what they need before you book any work.
Paperwork to find
- Citizens Advice says the paperwork from the installation should include a survey report from before the work started and a product certificate showing which spray foam was used, along with paperwork from the trader and from the insulation's manufacturer[2].
- If you're selling or remortgaging, Citizens Advice says to share that paperwork, and any before and after pictures, with your lender or solicitor; if a previous owner had the work done, check the paperwork from your purchase or ask your solicitor[2].
- RICS says that if you are buying a home that already has spray foam, you should make sure the documentation is available, because it will help with questions from the valuer, lender or solicitors[1].
If the lender wants it removed
Get the lender's request in writing, so the removal firm can quote for exactly what is needed, and keep the firm's record of the work for the next valuation.
Ask for a quote
Tell us what you need. We'll reply to say which firm we'd pass your enquiry to, and we only pass it on if you say yes.
Sources
- RICS consumer guide: spray foam insulation, checked 2026-10-23
- Citizens Advice: make sure your home is energy efficient, checked 2026-10-23