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Mortgage problems with Spray Foam Lofts

  • 02-07-2020 5:53pm
    #1
    Bocban
    Registered Users, Registered Users 2 Posts: 30 ✭


    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,
    Tagged:


Comments

  • #2
    muffler
    Registered Users, Registered Users 2 Posts: 46,556 ✭✭✭✭muffler


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


  • #3
    Calahonda52
    Registered Users, Registered Users 2 Posts: 12,889 ✭✭✭✭Calahonda52


    What is a spray foam loft?

    “I can’t pay my staff or mortgage with instagram likes”.



  • #4
    Gumbo
    Moderators, Society & Culture Moderators Posts: 40,370 Mod ✭✭✭✭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.


  • #5
    muddle84
    Registered Users, Registered Users 2 Posts: 1,769 ✭✭✭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.


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