Is Spray Foam preventing your Equity Release loan from being approved?

There are a few things that could prevent you from accessing Equity Release and Spray Foam Insulation is a major reason

Were you missold Spray Foam Insulation?

You could seek compensation if you suffered distress and/or inconvenience because a contractor duped you into thinking spray foam insulation would save you money and better protect your home.

What is Equity Release

 Equity Release refers to a range of products that lets you access the equity which is tied up in your home when you’re older. This money can usually be released either as a lump sum, in smaller regular payments or a different arrangement which could be a combination of both.

Has your home been insulated with Spray Foam?

Among other issues that will make it impossible to get an Equity Release loan, Spray Foam Insulation could cause a problem for borrowers. Find out how we can solve this issue

How Does Equity Release actually work

If you want to unlock equity in your property and you are over the age of 55, then an Equity Release loan could be just for you. There are various ways it can get paid out and you can even earn interest on these funds.
Equity release is a very viable option for homeowners but there are certain things which could deter lenders from approving your loan.

What happens at the end of equity release?

An equity release loan is only paid back at the end of your life. The executor of the estate will sell the property, and some of the proceeds go to paying back the equity release plan. Remaining funds are usually paid to the beneficiaries in your last will and testament.

What are some of the well-known restrictions?

Lenders have some restrictions that will prevent them from providing finance against certain properties. These typically include:


Properties and homes that are located close to commercial sites with noise


Properties located in areas which are prone to flooding


Asbestos can be easy to conceal and difficult to spot, but could pose a real threat to your health. This was used in insulation for properties up until the 1970's


Spray foam insulation and other similar forms of insulation are an absolute turn-off for potential lenders looking to provide a loan against your property

We are a Professional Spray Foam Removal Firm with an excellent reputation

Can you get an equity release loan with spray foam insulation present in your home?

You will not be able to borrow against your home if it has spray foam insulation installed. The reason that Lenders don’t like spray foam insulation is because does it not allow the roof timbers to breathe and they can rot from the inside. This will make it impossible to get an equity release lifetime mortgage.

The only solution is to have the spray foam removed from the property. However, this must be carried out by a professional. It’s not a DIY job because the task is labour intensive.

There are only a limited amount of Equity Release Lenders who will lend, even with the Spray foam removed. We work with the right ones to ensure you will be able to secure your Equity Release funding

In need of Spray Foam Removal?

Removing spray foam insulation from a property can be extremely labour-intensive and should be carried out by a professional.

The only solution is to have the spray foam removed from the property. However, this must be carried out by a professional. It’s not a DIY job because the task is labour intensive.


Removing spray foam removed professionally from your property is still cheaper than replacing the entire roof so get in touch with a reputable Spray Foam removal company.


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