500+ verified homeowner reviews
Spray Foam
Blocking Your Mortgage?
The UK's leading certified removal specialists. We get homeowners from mortgage rejection to lender approval — with a 10-year insurance-backed guarantee.
What Barrier Are You Facing?
Select your situation and see exactly how we resolve it.
Mortgage Declined
Most CommonYour mortgage application has been rejected because the lender identified spray foam insulation during the valuation survey.
We remove the foam, treat the timbers, and provide RICS-compliant certification that satisfies all major lender requirements.
restored per home
What Spray Foam Is
Doing to Your Property
Spray foam insulation is classified as a material defect by RICS surveyors. Until it's professionally removed, your property is effectively unmortgageable — and worth significantly less on the open market.
Why Lenders Flag
Spray Foam Insulation
Spray foam was heavily marketed as an energy-saving solution. What wasn't disclosed is the serious structural, financial, and lending consequences it creates.
Moisture Trapping
Spray foam seals the roof structure, preventing natural ventilation and trapping moisture against timbers.
Timber Decay Risk
Without airflow, timbers can rot, attracting wood-boring insects and compromising structural integrity.
15% Value Drop
Surveyors consistently flag spray foam as a material defect, reducing property valuations significantly.
Voided Warranties
Many spray foam installations void existing roof guarantees and building insurance policies.
Survey Failures
RICS surveyors are now trained to identify and flag spray foam as a significant risk factor.
Lender Restrictions
Major UK lenders including Halifax, Nationwide, and Barclays now restrict lending on spray foam properties.
Open-Cell vs Closed-Cell
Understanding Your Loft Insulation
Both types are flagged by lenders. Both require certified professional removal. Here's what makes each one different.
Open-Cell Foam
Open-cell foam is water-permeable and traps moisture against roof timbers, creating the ideal environment for fungal decay and wet rot. RICS surveyors now universally flag this as a material defect.
Is Spray Foam Blocking
Your Property Plans?
Our specialists can assess your property, provide a fixed-price quote, and have your loft mortgage-ready within days.
Book My Free AssessmentFrom Rejection
to Approval in 5 Days
A proven 6-step process that takes your property from 'Lending Lockout' to 'Mortgage Ready'. Click each step to explore.
Free Assessment
We inspect your loft, identify the foam type, assess timber condition, and provide a detailed fixed-price removal plan.
Every step is documented with photographic evidence. You receive full written reports, signed-off timber assessments, and your lender-ready certificate at completion.
From Mortgage Refused
To Mortgage Approved
A clear, step-by-step path from your first call to your lender's approval — typically completed within 5 to 14 days.
Free Consultation Call
Day 1Call us or submit your details online. Our specialist team reviews your situation, asks about your foam type, property, and lender — and gives you an honest assessment within the hour.
Loft Inspection & Survey
Day 2–3Our certified surveyor visits your property, photographs the foam type, condition, and extent of coverage. You receive a fixed-price removal quote — no surprises.
Professional Foam Removal
Day 3–5Our trained technicians extract every trace of foam using specialist HEPA-filtered equipment. Roof timbers are inspected for damage and treated with a professional timber treatment solution.
Certification Issued
Same DayWe issue your EBR-01 compliant removal certificate, 10-year insurance-backed guarantee, and full photographic documentation pack — the complete set required by all major UK lenders.
Mortgage Approved
Days 7–21With our certification in hand, your mortgage broker submits the documentation. 98% of our clients receive lender approval within 21 days of receiving their certificate.
See The Difference
Before & After
From suffocated, damaged roof structures to pristine, breathable, mortgage-ready loft spaces.
What's Happening to Your
Roof Timbers Right Now
Spray foam doesn't just block mortgages. It causes hidden structural damage that gets worse every year it remains in place.
Wet Rot
Moisture trapped by foam causes timber fibres to break down. Wet rot can spread to structural rafters within 2–3 years of foam installation.
Dry Rot Spores
Dry rot spores thrive in the warm, humid environment created by closed-cell foam. Once active, it spreads to unaffected timbers and structural elements.
Structural Weakening
Over time, rafter integrity is compromised as foam bonds to wood and creates uneven load distribution. RICS surveyors may require structural engineer sign-off.
Condensation Damage
Vapour barriers created by spray foam prevent natural air circulation. Hidden condensation accumulates behind the foam face and destroys timber from the back surface.
Every Removal Includes
Full Timber Remediation
Removing the foam is only half the job. Every project includes a comprehensive timber inspection and professional treatment to restore your roof structure to a condition that satisfies RICS surveyors and all major lenders.
Full Timber Inspection
Structural survey of all exposed rafters and joists post-removal.
Decay Assessment
Moisture readings and rot identification with specialist testing equipment.
Fungicide Treatment
Professional-grade preservative treatment applied to all affected surfaces.
Structural Consolidant
Deep-penetrating consolidant applied to any compromised structural timbers.
Reinstatement Report
Documented treatment record provided for lender and surveyor review.
10-Year Guarantee
Insurance-backed guarantee covering all treated timbers for a decade.
Every Major UK Lender
Accepts Our Certificate
Our EBR-01 compliant removal process and 10-year insurance-backed guarantee documentation is specifically structured to meet the requirements of every major UK mortgage lender and RICS surveyor.
Accredited. Certified.
Trusted by Lenders Nationwide.
Our credentials are the specific accreditations UK mortgage lenders require before accepting a property with former spray foam insulation.
Full membership of the UK's leading body for structural waterproofing, damp proofing, and remediation specialists.
Registered member ensuring all roof-related work meets the highest technical and safety standards in the UK roofing industry.
Our removal process fully complies with the EBR-01 standard — the specific documentation framework required by all major UK mortgage lenders.
Our completion certificates are independently recognised by RICS-qualified surveyors across the UK as evidence of compliant removal.
£10M Public Liability
Every project fully insured to £10 million. Total peace of mind for you and your lender.
10-Year Insurance-Backed Guarantee
Every removal is backed by a formal 10-year guarantee — accepted by all major UK lenders.
48-Hour Emergency Response
Sale under threat? We deploy within 48 hours to any location across England, Wales, and Scotland.
Dedicated Project Manager
A named project manager assigned to every job. Direct contact throughout. No call centres.
On-Time Completion
We deliver on our quoted timeline — if we overrun, you receive a partial fee refund.
4.9/5 Verified Rating
Over 500 verified reviews across Trustpilot and Google. The UK's highest-rated foam removal company.
The Countrywide Standard
vs. The Rest
Not all removal companies are equal. Only certified specialists can guarantee lender acceptance.
Instant Cost
Estimate
No hidden costs, no surprise invoices. Use this estimator to get a ballpark figure — then lock it in with a fixed-price quote.
Estimates are for guidance only. Your final fixed-price quote is issued after a free on-site assessment. We guarantee no changes after quoting.
Includes removal, timber treatment & 10-year certificate
Get My Fixed-Price QuoteNo obligation · Free site visit · Price locked after assessment
We've Unblocked Over 750
Stalled Property Sales
Whether your sale is at risk or has already collapsed — our emergency removal service gets properties back to market, fast.
Buyer's solicitor halted exchange due to Halifax flagging spray foam in valuation report.
Full removal + certification in 4 days. Sale exchanged on schedule.
Nationwide refused remortgage at 84% LTV. Property value downgraded by surveyor.
Removal and re-survey. Nationwide approved full remortgage within 12 days.
RICS surveyor flagged spray foam. Estate agent warned sale would collapse.
Emergency removal service. Property re-surveyed clean. Completion proceeded.
Homes We've Restored
Across the UK
Real Homeowners.
Real Mortgages Approved.
Every case is documented with photographic evidence, lender correspondence, and signed certification.
Halifax Mortgage Approved After 3-Day Removal
Halifax rejected mortgage application due to open-cell spray foam in loft. Client had exchanged and was at risk of losing their new home.
Full removal completed in 3 days. Halifax approved the mortgage within 2 weeks of receiving our EBR-01 certification.
Real Outcomes for Real Homeowners
"After Halifax declined our mortgage, we were devastated. Countrywide had the foam removed within 3 days and provided all the documentation we needed. Halifax approved us 10 days later. Absolutely outstanding service."
£485,000 mortgage approved
Verified project outcome
"After Halifax declined our mortgage, we were devastated. Countrywide had the foam removed within 3 days and provided all the documentation we needed. Halifax approved us 10 days later. Absolutely outstanding service."
"Our house sale was 2 weeks from completion when the buyer's surveyor flagged spray foam. Countrywide mobilised a team the same week. Sale completed on schedule. Can't thank them enough."
"Needed equity release for care costs. Provider refused due to spray foam. Countrywide's team were professional, respectful and incredibly efficient. My equity release went through 3 weeks later."
"Couldn't remortgage onto a better rate because of spray foam. Countrywide removed everything, treated the timbers and gave us a full guarantee certificate. The whole process was remarkably smooth."
"From first call to completed removal took just 5 days. The team were polite, tidy, and professional. The certification they provided was exactly what our mortgage broker needed. Nationwide approved us without issue."
"We were told by two other companies they couldn't quote without an inspection — Countrywide gave us a detailed assessment within 24 hours and a fixed price. Job done in 2 days. Incredible efficiency."
Flexible Payment Options
That Work For You
Spray foam removal is often an unexpected expense — we understand that. We offer flexible payment arrangements so that financial concerns never delay an urgent mortgage or property sale.
Staged Payments
Most PopularSplit the cost across deposit and completion. Pay the final balance once the certificate is issued and your lender is satisfied.
Deferred Payment
FlexibleIn qualifying cases, we can structure payment to align with your property sale or mortgage completion — so removal costs come from your transaction proceeds.
Full Upfront
Best ValuePay in full and receive a 3% discount on your total project cost. Includes everything: removal, documentation, timber treatment, and 10-year guarantee.
Wherever You Are
We're Already There
With regional specialist teams deployed across England, Wales, and Scotland, we respond to any location within 48 hours. Our nationwide infrastructure means no property is too remote.
Everything You Need
To Make an Informed Decision
Free guides, cost calculators, lender information, and direct access to specialist advice — all in one place.
The UK's most comprehensive spray foam removal knowledge hub
Frequently Asked Questions
Quick answers to the most common spray foam removal questions.
40+ expert answers across 8 categories · Search & filter by topic
Don't Let Spray Foam
Cost You Any More.
Whether it's a mortgage, remortgage, property sale, or equity release — our certified removal process gets your property back to lending-ready condition. Start with a free, no-obligation assessment.