Insulation: Housing
The question
To ask the Secretary of State for Energy Security and Net Zero, pursuant to the Answer of 14 February 2025 to Question 29262 on Insulation: Housing, if he will take legislative steps to ensure access to mortgage facilities for people purchasing homes with spray foam insulation.
Answered by Miatta Fahnbulleh
The insulation, lending, and surveying communities published protocols in March 2023 to support surveyors to assess spray foam, provide reassurance to lenders, and inform consumers. We understand from lenders that in general they follow the advice of surveyors and that most no longer have blanket policies.
The government cannot comment on the decisions made by individual lenders. However, the presence of spray foam should not automatically prevent lending, and decisions should be made on a case-by-case basis following a survey. Whilst one lender may be unable to offer a mortgage to a customer, this does not prevent them from being offered credit elsewhere.
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