Mortgage Declined
A lender has turned down a mortgage because of spray foam? Lender policies vary. A specialist survey shows what needs doing, and we can get you removal quotes and the paperwork lenders ask for afterwards.
Learn MoreNewWhat the government's October 2026 spray foam paper means for your mortgage
Worried about the spray foam in your roof? Request a free independent survey.
We arrange a specialist spray foam survey, get you removal quotes from vetted specialists if the foam needs to come out, and make sure you get the report your lender asks for afterwards. Free to you, no obligation.
Call our group line
03330 908 569 We don't install. We don't remove.
Reports signed off by an independent RICS surveyor
England, Scotland and Wales
Request a Free Survey
Independent, no sales pressure, no obligation
Who we are
National Spray Foam Advice is a survey and removal-quote service. We arrange specialist spray foam surveys, get you quotes from vetted removal specialists, and make sure you get the report afterwards. We don't install spray foam, and we don't carry out removal ourselves.
Survey
A specialist survey before anything is removed
Quotes
From vetted removal specialists, if removal is needed
Report
Signed off by an independent RICS surveyor
GB
England, Scotland and Wales, one group line: 03330 908 569
Common Spray Foam Issues We Help With
Spray foam insulation can cause serious problems for homeowners. We start with a specialist survey, then get you removal quotes only if the foam needs to come out.
Insurance Refused
Home insurance providers won't cover your property? Discover why spray foam causes coverage issues and how removal solves the problem.
Learn MoreProperty Devalued
Spray foam can make a home harder to sell or remortgage. Learn what affects the value and what removal can and cannot fix.
Learn MoreWhy National Spray Foam Advice?
Survey first, quotes if you need them, and the report at the end. We coordinate it so you don't have to.
We Manage the Entire Process
From initial quote to final certification, we coordinate everything. No chasing contractors, no paperwork headaches - just peace of mind.
Certificates & Reports Included
Lender-compliant certificate of removal and damage reports are included as standard - not charged as expensive extras like other companies.
Only Reputable Specialists
We check every removal company before we introduce you: insurance, removal method, and the paperwork they hand over at the end.
Transparent, All-Inclusive Pricing
No hidden fees or surprise charges. Floor protection, cleaning, access - it's all included. The price you're quoted is the price you pay.
How our survey works
A finite, low-risk process. Four steps, start to finish.
1
Request a survey
2 minutes online — name, phone, email, postcode.
2
Panel surveyor visits
Free visit, typically within 5 working days.
3
Independent report
A report signed off by an independent RICS surveyor. To date, no lender has rejected a certificate we have issued.
4
Optional next steps
If removal is needed, we connect you with vetted specialists. No obligation.
Real outcomes from our surveys
Three recent cases. Including the one where the surveyor said no removal was needed.
Mortgage approved
Mortgage approved after our survey
After TSB declined his remortgage, Richard's survey identified the removal scope required. His lender accepted the report — application approved the following week.
Richard, Hampshire · March 2026
No removal needed
Avoided unnecessary £7k removal
Sarah had been quoted £7,000 to remove her loft foam. Our independent surveyor found it was a compliant closed-cell install with no moisture issues. No removal required.
Sarah, York · February 2026
Hidden damage found
Found the damp before it spread
A pre-sale survey at Ahmed's home uncovered trapped moisture and early timber decay behind an otherwise tidy-looking foam install. Remediation costs a fraction of what a structural failure would have.
Ahmed, Leicester · January 2026
Frequently Asked Questions
Quick answers to common questions about spray foam removal and our service
Why do some mortgage lenders turn down homes with spray foam insulation?
Lender policies vary. Many lenders want to know what condition the roof timbers are in, and spray foam stops a surveyor seeing them. In October 2026 the government named eight major lenders, including Nationwide, Lloyds, Barclays and HSBC, as open to lending on spray foam homes, subject to their own requirements. Others still decline. The government's advice is to get a specialist survey before you decide anything about your foam. Our sister site tracks lender policies.
How much does spray foam removal cost?
It depends mainly on the roof area, whether the foam is open-cell or closed-cell, and how easy the loft is to work in. Our spray foam removal cost page gives the typical range and what a fair quote should include. For an accurate figure for your home, ask for quotes: it is free and there is no obligation. See what removal costs.
Is your service really free?
Yes. You do not pay us for the survey request, the quotes or the advice. We are paid by the removal companies and surveyors we introduce you to. That never changes the advice on this site.
How quickly can I get removal quotes?
Most homeowners receive contact from vetted specialists within 24-48 hours of submitting a quote request. We connect you with up to 3 local specialists who will assess your property and provide detailed, no-obligation quotes.
Will removal restore my property value?
Spray foam can make a home harder to sell or remortgage, because some lenders will not lend on it and buyers who need a mortgage are affected by that. Removal, with the right paperwork afterwards, is what most lenders that decline will ask for. It does not guarantee that a lender will lend: the government's October 2026 paper says removal will not always guarantee lending, and improper removal can cause further problems. That is why we recommend a specialist survey first.
What happens if the survey says I don't need removal?
Then the report will say so. We are not a removal company. If your foam is in good order and the roof is sound, the report gives you documented evidence for your lender, buyer or insurer, and you can decide what to do next without pressure.
What areas do you cover?
We cover England, Scotland and Wales. Wherever you are in those three nations, we can arrange a specialist survey and put you in touch with vetted removal specialists who work in your area.
Not sure whether your foam needs removing?
Request a free specialist survey. No obligation, no pressure, no hidden fees — and if you don't need removal, your report will say so.