Mortgage problems with Spray Foam Lofts

Bocban

Hi,

Thinking about getting the loft spray foamed for better installation, but read somewhere that mortgage lenders are refusing applications where the house in question have a spray foam loft.

Does anybody know if this is actually an major issue?

Will probably be selling the house within the next 5-10 years.

Regards,

muffler

Not exclusive to Donegal so I'll move this to the construction & planning forum where you will also get more replies

Calahonda52

What is a spray foam loft?

Gumbo

Bocban wrote: »

Hi,

Thinking about getting the loft spray foamed for better installation, but read somewhere that mortgage lenders are refusing applications where the house in question have a spray foam loft.

Does anybody know if this is actually an major issue?

Will probably be selling the house within the next 5-10 years.

Regards,

Never heard of this.
Any links to a report or similar on it?

I know of plenty of houses in Dublin that have had the rafters spray foamed and then went through a subsequent sale.

muddle84

Bocban wrote: »

Hi,

Thinking about getting the loft spray foamed for better installation, but read somewhere that mortgage lenders are refusing applications where the house in question have a spray foam loft.

Does anybody know if this is actually an major issue?

Will probably be selling the house within the next 5-10 years.

Regards,

The banks will never set foot in your house in my experience. A estate agent will to value it and an engineer for a structural survey and lastly a BER assessor to give your house a BER rating, which you need to sell it. Spray foam is a very effective insulation method but the same as anything else it can be done wrong. If it's done wrong then the structural survey will highlight the issue. Apart from that scenario the bank won't care.