Spray Foam Insulation — Equity Release Solution
Spray Foam in Your Loft? Most Lenders Say No. We've Found a Way to Say Yes.
If your home has spray foam insulation fitted in the roof, you've probably been told you can't remortgage, sell, or release equity. We work with a lender who will remove the spray foam — and help you raise the money you need — all in one straightforward process.
Free, no-obligation conversation with an FCA-regulated adviser.
The Problem You're Facing
Spray foam insulation can make your home almost impossible to mortgage. It can trap moisture in your roof timbers, hide structural problems from surveyors, and most major lenders simply refuse to lend on a property that has it — even if you've owned your home outright for years.
This leaves many homeowners stuck. You may want to release some of the value in your home to top up your retirement income, help your family, clear debts, or make home improvements — but you've been turned away because of the insulation in your loft.
You are not alone, and more importantly, you are not out of options.
The Solution We Offer
"We have access to a specialist lender who will remove the spray foam insulation from your roof, and once it's removed, allow you to raise finance against your home for any other purpose you need."
This means the cost of removal can be built into your plan, rather than something you have to find the money for upfront and separately.
How It Works
1. Have a friendly chat with us
We'll ask a few simple questions about your home and your spray foam insulation. No jargon, no pressure.
2. We check if you qualify
We confirm the lender is able to help with your particular property and circumstances.
3. The spray foam is removed
Arranged as part of the lending process, by approved contractors.
4. You raise the finance you need
Once the spray foam has been removed, you can borrow against your home for the reason that matters to you — whether that's extra retirement income, helping family, or home improvements.
Why Talk to Later Life Money?
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We are FCA-regulated specialists in later life and equity release lending.
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We know exactly which lenders will and won't consider spray foam properties.
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We handle the whole process for you, from first conversation to completion.
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Friendly, unhurried advice — we explain everything in plain English.
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No obligation. There is never any pressure to proceed.