Barclays Mortgage and Spray Foam Insulation: What Homeowners Need to Know

If you're applying for a Barclays mortgage and your property has spray foam insulation, you may face some unexpected challenges. Over the last few years, banks and mortgage lenders — including Barclays — have become increasingly cautious about lending on properties that contain spray foam insulation, particularly in lofts or roof spaces.

In this article, we'll explain why that is, what it means for your mortgage application, and how Countrywide Insulation can help if you need spray foam removal to satisfy your lender's requirements.

Why Barclays May Decline Mortgages on Homes with Spray Foam Insulation

Barclays, like many major lenders, follows strict property assessment guidelines to ensure that a home is in sound structural condition. Unfortunately, spray foam insulation can raise red flags for surveyors and valuers due to the following reasons:

• Hidden Roof Damage: Closed-cell spray foam can trap moisture against the roof timbers, leading to rot and structural issues that are difficult to detect.
• Ventilation Problems: Spray foam often blocks natural airflow in lofts, creating condensation and mould risks.
• Valuation Concerns: Surveyors can't properly inspect the roof structure once it's covered in foam, making it impossible to assess the property's true condition.

Because of these factors, Barclays — along with lenders like Nationwide, Halifax, and Santander — often refuse mortgage applications on properties where spray foam insulation remains in place.

Can You Still Get a Barclays Mortgage with Spray Foam?

In most cases, no, not unless you have the spray foam professionally removed and provide evidence of the roof's condition. Barclays surveyors typically require:

• A roof inspection report confirming the structure is sound
• A certificate of spray foam removal from a reputable, insured contractor

Spray Foam Removal: The Key to Unlocking Your Mortgage Approval

At Countrywide Insulation, we specialise in safe, professional spray foam removal across the UK. Whether your home has open-cell or closed-cell foam, we use advanced equipment to strip it away completely — without damaging your roof timbers or tiles.

• Full inspection and free quotation
• Safe, thorough foam removal
• Roof ventilation restoration
• Completion report and removal certification for your lender

Once the spray foam is removed and your roof is inspected, Barclays will usually be able to reconsider your mortgage application or proceed with the valuation.

Why Choose Countrywide Insulation?

Get Help with Barclays Mortgage Spray Foam Insulation Issues

If your Barclays mortgage is on hold or declined because of spray foam insulation, don't panic. You're not alone — and it's fixable.

Contact Countrywide Insulation today for expert advice and fast, professional spray foam removal. We'll help you get your roof cleared, certified, and ready for mortgage approval.

Call us today or visit CountrywideInsulation.co.uk to book your free survey.