Is Spray Foam Insulation Illegal in the UK? (2025 Update)

There’s been growing confusion online about the legality of spray foam insulation. Some homeowners hear it’s "banned" or that “you can’t sell a house with it anymore.” But is spray foam insulation actually illegal in the UK? In this guide, we separate the myths from the facts and explain how legality differs from mortgage acceptance.

1. Is Spray Foam Insulation Illegal?

No—spray foam insulation is not illegal in the UK in 2025. There are currently no laws banning its installation or use in homes. It remains available for purchase and is installed by both independent contractors and national energy firms.

However, its legality doesn’t mean it’s risk-free—especially when it comes to mortgages, surveys, and property value.

Related: What’s the Controversy Around Spray Foam Insulation?

2. Why Do People Think Spray Foam Is Banned?

There are a few reasons this myth keeps spreading:

• Mortgage lenders often reject homes with it
  
  
• Some surveyors recommend against using it
  
  
• Equity release firms regularly refuse properties with spray foam
  
  
• Homes with spray foam are harder to sell
  
  

All this has led to a perception that it must be illegal—but that’s not the case.

3. What Regulations Apply to Spray Foam?

Spray foam isn’t unregulated. It must comply with:

• Building Regulations (especially Part C: Damp and ventilation)
  
  
• BBA Certification (British Board of Agrément)
  
  
• Installation best practices (ventilation, timber access, etc.)
  
  

Poor or non-compliant installation can lead to long-term problems—and liability falls on the installer, not the product itself.

See: Can Spray Foam Insulation Rot Your Roof?

4. Is Spray Foam a Red Flag for Lenders?

Yes—and that’s where most of the trouble comes from. Many mortgage lenders in the UK now treat spray foam insulation as a serious red flag due to:

• Limited visibility of roof timbers
  
  
• Risk of trapped moisture
  
  
• Concerns about resale value
  
  

It’s not illegal, but lenders can still decline mortgages based on risk.

Learn more: How Spray Foam Affects Property Value in the UK

5. Can You Still Install Spray Foam in 2025?

Yes—you can. But do so with extreme caution. If you’re planning to sell, remortgage, or release equity in future, you may regret the decision.

If spray foam is already installed, speak to:

• A RICS surveyor
  
  
• A qualified insulation expert
  
  
• A mortgage broker familiar with spray foam cases
  
  

Or consider safe removal: Spray Foam Removal – UK Locations

Frequently Asked Questions

Is spray foam banned in any part of the UK?
No—it’s not banned in England, Scotland, Wales, or Northern Ireland.

Why are lenders rejecting homes with spray foam?
Because of survey challenges, trapped moisture risks, and long-term resale issues.

Is spray foam still approved by regulators?
Yes—but only when installed properly and in suitable applications.

Can I sell my house if it has spray foam insulation?
Yes—but you may face valuation problems, delays, or be asked to remove it.

Is spray foam considered a defect?
Not officially—but many surveyors will flag it as a material risk on reports.

If you're unsure about your spray foam insulation and want advice on removal, get in touch with Snug & Secure or explore your area: Find Your Local Spray Foam Team.