https://sprayfoamcheck.co.uk/guides/spray-foam-whats-changed Dated changes to spray foam insulation in UK homes: lender positions, the BBA suspension, government research and consultations, schemes and trade body moves. Each entry links to the guide page that carries it, with its source. en-GB Sat, 31 Oct 2026 09:00:00 GMT https://sprayfoamcheck.co.uk/guides https://sprayfoamcheck.co.uk/guides#2026-10-31 Sat, 31 Oct 2026 09:00:00 GMT The UK Spray Foam Guide published on sprayfoamcheck.co.uk; every page now carries the date of its last weekly source check. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-10-22 Thu, 22 Oct 2026 09:00:00 GMT DESNZ published a policy paper, "Spray foam insulation: remediation, removal and lending". It names eight lenders (Nationwide, Lloyds, Santander, Barclays, NatWest, Coventry Building Society, the Co-operative Bank and HSBC) as open to lending on homes with spray foam, subject to their own requirements, points homeowners to specialist surveyors and the 2023 inspection protocol, and says removal will not always mean a lender will still lend. https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls#2026-10-17 Sat, 17 Oct 2026 09:00:00 GMT An MP, a Cornwall councillor and Cornwall Trading Standards met the energy minister about cold-calling and doorstep sales of spray foam; the local press reported that stronger consumer protections were expected later in the year. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-09-10 Thu, 10 Sep 2026 09:00:00 GMT The government's consultation on reforming consumer protection for home upgrade schemes closed; no response had been published by 20 October 2026. Citizens Advice's response asked for the new protection to cover privately funded work too. https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk#2026-09-01 Tue, 01 Sep 2026 09:00:00 GMT Trade press reported that More2life can now consider cases where spray foam is present, with repairs managed through a third party. https://sprayfoamcheck.co.uk/guides/should-i-remove-spray-foam-insulation https://sprayfoamcheck.co.uk/guides/should-i-remove-spray-foam-insulation#2026-08-28 Fri, 28 Aug 2026 09:00:00 GMT The PCA announced a membership branch for spray foam removal contractors, described as a benchmark rather than regulation of the market; a consultation on it followed in September. This was reported in the trade press; the PCA's own release could not be opened. https://sprayfoamcheck.co.uk/guides/section-75-spray-foam-claim https://sprayfoamcheck.co.uk/guides/section-75-spray-foam-claim#2026-08-21 Fri, 21 Aug 2026 09:00:00 GMT The Financial Ombudsman published an upheld Section 75 decision: independent surveyor reports and the homeowner's photographed moisture readings showed foam sprayed over a high-resistance membrane with the ventilation blocked; the loan was cancelled and the foam is to be removed at the lender's cost. Seven further spray foam decisions published in July and August 2026 were not upheld. https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls#2026-07-30 Thu, 30 Jul 2026 09:00:00 GMT Trade press carried a PCA warning that fraudsters were showing fake PCA ID, telling homeowners their property was on a "national database", and issuing fake reports in members' names. It advised an independent assessment before accepting removal advice from any firm with a commercial interest. https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk#2026-07-22 Wed, 22 Jul 2026 09:00:00 GMT Trade press reported a later-life lender offering remortgage and equity release routes for homes affected by spray foam. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-07-08 Wed, 08 Jul 2026 09:00:00 GMT The Commons Library's briefing page (CBP-10658) records a modification on 8 July 2026; it still gives the wrong closing date for the Green Homes Grant. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-06-27 Sat, 27 Jun 2026 09:00:00 GMT The local press reported a letter from the Minister for Energy Consumers saying seven major lenders would now consider lending on homes with spray foam, and that he hoped to "remove the blanket bans" within months. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-06-17 Wed, 17 Jun 2026 09:00:00 GMT The government published its consultation "Reforming Consumer Protection for Home Upgrade Schemes". It proposes a single consumer protection service for government-supported upgrades, an independent ombudsman as the final backstop, a public register of approved installers and warranty reform, and notes that some consumers have been targeted for removal of products like spray foam. https://sprayfoamcheck.co.uk/guides/spray-foam-product-approvals-bba https://sprayfoamcheck.co.uk/guides/spray-foam-product-approvals-bba#2026-06-15 Mon, 15 Jun 2026 09:00:00 GMT UKAS confirmed it had suspended all its recognition of the BBA from 26 February 2026, until the BBA closes UKAS's findings and at the latest 25 November 2026. Existing UKAS-backed approvals stay valid until they expire, but no new ones can be issued. https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk#2026-03-31 Tue, 31 Mar 2026 09:00:00 GMT The Great British Insulation Scheme (GBIS) closed to new installations. https://sprayfoamcheck.co.uk/guides/selling-a-house-with-spray-foam-insulation https://sprayfoamcheck.co.uk/guides/selling-a-house-with-spray-foam-insulation#2026-03-30 Mon, 30 Mar 2026 09:00:00 GMT The 6th edition of the TA6 property information form became mandatory for Law Society Conveyancing Quality Scheme firms; no question on it names spray foam, though 5.1(h) and 6.1(h) ask about insulation works and warranties. https://sprayfoamcheck.co.uk/guides/spray-foam-product-approvals-bba https://sprayfoamcheck.co.uk/guides/spray-foam-product-approvals-bba#2026-02-26 Thu, 26 Feb 2026 09:00:00 GMT UKAS suspended its recognition of the British Board of Agrément (BBA), a product approval body. UKAS gives no reasons; the BBA says the cause was a July 2025 change in its company structure, and it appealed against the suspension on 26 March 2026. https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk#2026-01-23 Fri, 23 Jan 2026 09:00:00 GMT The government extended ECO4 by nine months, to 31 December 2026; its response says nothing about spray foam. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-01-21 Wed, 21 Jan 2026 09:00:00 GMT The government published the Warm Homes Plan: £15 billion over this Parliament to upgrade up to 5 million homes, corrected on 18 March 2026. It does not mention spray foam. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-01-16 Fri, 16 Jan 2026 09:00:00 GMT In written answers the government said most spray foam loft insulation was installed outside its schemes, that it holds no product-level figure (the Green Homes Grant funded 6,217 pitched-roof measures using any product), and that scheme customers can get non-compliant work put right under their warranty even if the installer has ceased trading. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2026-01-05 Mon, 05 Jan 2026 09:00:00 GMT The House of Commons Library published its spray foam briefing, CBP-10658. https://sprayfoamcheck.co.uk/guides/spray-foam-fire-safety https://sprayfoamcheck.co.uk/guides/spray-foam-fire-safety#2025-12-22 Mon, 22 Dec 2025 09:00:00 GMT The Building Safety Regulator published fire research (report dated July 2024) on one open-cell foam under old tiles and slate. No specimen was penetrated within 60 minutes, but the foam behind the slate charred; the findings are not government policy. https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk#2025-08-18 Mon, 18 Aug 2025 09:00:00 GMT In its response to the Energy Security and Net Zero Committee (HC 1260), the government said spray foam alone should not automatically prevent lending, and cases should be decided individually after a survey. https://sprayfoamcheck.co.uk/guides/spray-foam-consumer-rights https://sprayfoamcheck.co.uk/guides/spray-foam-consumer-rights#2025-06-17 Tue, 17 Jun 2025 09:00:00 GMT Citizens Advice published "A Foamidable Challenge": spray foam complaints to its consumer service more than doubled in 2024, and it called for a single ombudsman and a single quality mark for home upgrades. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2025-06-17 Tue, 17 Jun 2025 09:00:00 GMT Written answers said a correctly installed product should not need removal and that the Green Homes Grant never specified which insulation types could be fitted. https://sprayfoamcheck.co.uk/guides/spray-foam-condensation-moisture https://sprayfoamcheck.co.uk/guides/spray-foam-condensation-moisture#2025-05-19 Mon, 19 May 2025 09:00:00 GMT In May 2025 the PCA reported a survey of more than 500 inspections by 15 of the 21 firms on its register, in which 35% found a foam-related defect and 27% recommended major works. These were homes already under suspicion, and the figures rest on press reports. https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk#2025-05-16 Fri, 16 May 2025 09:00:00 GMT Trade press reported the Co-operative Bank changing its criteria to consider open-cell foam under conditions, having been among the lenders that refused in 2024. https://sprayfoamcheck.co.uk/guides/spray-foam-consumer-rights https://sprayfoamcheck.co.uk/guides/spray-foam-consumer-rights#2025-04-06 Sun, 06 Apr 2025 09:00:00 GMT New consumer protection rules in the Digital Markets, Competition and Consumers Act 2024 came into force, taking over from the 2008 unfair trading regulations; its new private redress sections were not in force at October 2026. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2025-03-26 Wed, 26 Mar 2025 09:00:00 GMT A written answer confirmed there are no government schemes to help private homeowners pay to remove spray foam. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2025-02-12 Wed, 12 Feb 2025 09:00:00 GMT The HomeOwners Alliance and the PCA wrote to ministers asking for a roundtable on grant eligibility and on how affected homes can be sold, and for action on rogue removal firms. https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls#2025-02-05 Wed, 05 Feb 2025 09:00:00 GMT Warwickshire Trading Standards warned of high-pressure spray foam installers and removers, including rogue installers returning under new names to sell removal to former customers. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2024-12-06 Fri, 06 Dec 2024 09:00:00 GMT A Commons adjournment debate was held on spray foam and property values; the minister said there should be no blanket mortgage exclusion and referred to a consumer protection review. https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk#2024-11-19 Tue, 19 Nov 2024 09:00:00 GMT A BBC survey of the 20 largest lenders found five would not lend where there is spray foam in the roof, two usually would not, one only on new builds, and most others decided case by case. https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls https://sprayfoamcheck.co.uk/guides/spray-foam-scams-cold-calls#2024-08-08 Thu, 08 Aug 2024 09:00:00 GMT Devon, Somerset and Torbay Trading Standards reported a steep rise in complaints about cold callers selling spray foam removal, often linked to the original installer. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2024-05-07 Tue, 07 May 2024 09:00:00 GMT Housing minister Lee Rowley wrote that spray foam should not by itself prevent lending. The Building Safety Regulator replied that its research is theoretical modelling of a limited set of scenarios, not installation guidance. https://sprayfoamcheck.co.uk/guides/spray-foam-condensation-moisture https://sprayfoamcheck.co.uk/guides/spray-foam-condensation-moisture#2024-03-28 Thu, 28 Mar 2024 09:00:00 GMT The Building Safety Regulator published moisture modelling by HSE: low risk for open-cell foam fitted to BS 5250:2021, high risk where foam is sprayed directly onto the roof covering. https://sprayfoamcheck.co.uk/guides/spray-foam-for-professionals https://sprayfoamcheck.co.uk/guides/spray-foam-for-professionals#2024-02-23 Fri, 23 Feb 2024 09:00:00 GMT The PCA launched a membership branch for specialists who assess spray foam in pitched roofs. https://sprayfoamcheck.co.uk/guides/spray-foam-fumes-health https://sprayfoamcheck.co.uk/guides/spray-foam-fumes-health#2023-08-24 Thu, 24 Aug 2023 09:00:00 GMT An EU restriction required training from this date for users of diisocyanate products, the reactive chemicals in spray foam; its UK status is not confirmed; the IMA Code describes this as a UK REACH requirement. https://sprayfoamcheck.co.uk/guides/spray-foam-paperwork https://sprayfoamcheck.co.uk/guides/spray-foam-paperwork#2023-03-03 Fri, 03 Mar 2023 09:00:00 GMT RICS launched its spray foam consumer guide. https://sprayfoamcheck.co.uk/guides/what-is-spray-foam-insulation https://sprayfoamcheck.co.uk/guides/what-is-spray-foam-insulation#2023-01-01 Sun, 01 Jan 2023 09:00:00 GMT New foam products containing HFC blowing agents with a global warming potential of 150 or more were banned, so closed-cell foams moved to newer HFO agents. https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk https://sprayfoamcheck.co.uk/guides/spray-foam-mortgage-issues-uk#2022-11-25 Fri, 25 Nov 2022 09:00:00 GMT Nationwide was reported to require documentary evidence of correct installation before lending. https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk#2022-10-25 Tue, 25 Oct 2022 09:00:00 GMT RPSA withdrew its December 2021 guidance for surveyors, pending a full review. https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk#2022-08-17 Wed, 17 Aug 2022 09:00:00 GMT RPSA and the PCA called for regulation of the spray foam industry, including mandatory installer training and audits. https://sprayfoamcheck.co.uk/guides/spray-foam-government-position https://sprayfoamcheck.co.uk/guides/spray-foam-government-position#2022-06-22 Wed, 22 Jun 2022 09:00:00 GMT Trade press reported a written answer in which a minister said spray foam was acceptable under the scheme installation standards, that installers chose products, and that the government would not intervene on lending. https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk https://sprayfoamcheck.co.uk/guides/spray-foam-history-uk#2021-03-31 Wed, 31 Mar 2021 09:00:00 GMT The Green Homes Grant voucher scheme closed to applications. https://sprayfoamcheck.co.uk/guides/spray-foam-installation-requirements https://sprayfoamcheck.co.uk/guides/spray-foam-installation-requirements#2021-03-16 Tue, 16 Mar 2021 09:00:00 GMT Ofgem's Technical Advisory Panel did not approve a spray foam pitched-roof application and asked for monitoring that timber stays below the 20% moisture level in the product approval.