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Spray foam and mortgages: what Wigan sellers need to know

Why foam under a roof can stall a sale and what evidence buyers and lenders usually ask for.

Spray foam and mortgages: what Wigan sellers need to know

Spray foam applied to the underside of a roof is now one of the things buyers' surveyors look for. In Wigan, where many homes have slate or tile roofs over older timbers, it can come up late in a sale.

Why lenders worry

The foam hides roof timbers, so nobody can see whether they are dry. It can also make repairs harder. Some lenders decline, some ask for evidence and some proceed. Ask your broker what yours needs.

What helps

A written assessment showing the foam type, the condition of visible timbers and moisture readings gives everyone the same facts. Get it before you list, not after an offer.

Related: Spray foam roof assessment

Quick answers

Is foam always a deal-breaker?
No. Outcomes vary by lender and buyer, which is why evidence helps.
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