Spray foam causing mortgage refusal on Longwood terraces
Why it happens here
Most of Longwood's stone terraces were built long before spray foam existed, and lenders treat foam in a roof as a risk because it hides the timber and traps moisture. A valuation surveyor cannot inspect what they cannot see, so the lender declines.
Our approach
We remove the foam, inspect and photograph every rafter, and provide a written report formatted for a RICS surveyor. That report is what unblocks the mortgage, and we have done enough of them in HD3 and HD7 to know exactly what lenders want to see.