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Is Spray Foam Insulation Legal in the UK?

May 4, 2025

If you’ve just had a mortgage rejected or an equity release blocked due to spray foam insulation, your first question might be: “Is this stuff even allowed?”

It’s a fair reaction — and one we hear a lot. While spray foam isn't illegal in the UK, its use has become controversial for good reason.

Let’s break down the legal status, where it’s allowed, and why it continues to cause issues despite being technically permitted.

Is Spray Foam Banned in the UK?

No — spray foam is not banned. It is still legal to install and use in residential and commercial properties across the UK.

However:

  • There are no specific regulations for installers
  • There’s no mandatory certification process
  • And most installs are unregulated and uninspected

This means quality can vary massively from one job to the next — and many older homes have spray foam that was applied with little care or documentation.

So Why Are Lenders and Surveyors So Wary?

Because even though it’s legal, spray foam introduces risk.

Closed-cell spray foam in particular:

  • Seals over roof timbers, preventing inspection
  • Can trap moisture, leading to condensation and rot
  • Was often installed with no ventilation strategy

As a result, surveyors often note the presence of spray foam in their reports — and many lenders respond by:

  • Refusing mortgages or remortgages
  • Placing conditions on loans
  • Requesting full removal before proceeding

Legal? Yes. Mortgage-friendly? Not always.

Is It Against Building Regulations?

Not inherently — but it can be, depending on how it’s applied.

If spray foam insulation:

  • Obstructs ventilation
  • Covers electrical cables unsafely
  • Ignores fire regulations
  • Fails to comply with BS EN standards

…then it may breach parts of the Building Regulations. Unfortunately, many homeowners don't find this out until years later — often when a sale or survey brings the issue to light.

What If You Already Have It?

Having spray foam doesn’t mean you’ve done anything wrong — but it could be time to reassess.

At Snug & Secure, we specialise in helping homeowners safely remove spray foam from lofts and install breathable insulation that’s fully compliant and mortgage-safe.

We also provide documentation, before-and-after photos, and peace of mind for anyone planning to sell or remortgage.

Final Thoughts

Spray foam insulation is legal — but that doesn’t mean it’s risk-free. If it’s been installed in your loft, it could affect how your home is valued, mortgaged, or insured.

If you're unsure whether it needs to come out, get in touch for a friendly, no-pressure assessment — or browse our blog for more clear advice on the topic.

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