Will your report satisfy my mortgage lender?

It's independent evidence for your own decision: whether to remove, retain or renegotiate. It records the foam type, what it was sprayed onto, its condition, ventilation and timber moisture readings, with photographs, and it's yours to share as you choose. No one can promise what a lender will do, and it's worth being wary of anyone who does.

Are you chartered surveyors? Do you provide RICS reports?

No. SprayFoamCheck is an independent spray foam inspection service run by Jan, who is DEA qualified (ABBE Level 3). It is not a RICS practice and does not produce RICS reports.

Will every lender refuse a property with spray foam?

No. In the BBC's November 2024 survey of the 20 largest lenders, five would not lend and most of the rest decided case by case on the valuer's report. The guide lists what each lender publishes, with the date it was checked. In October 2026 the government named eight lenders as open to lending, subject to their own requirements.

Should I have the foam removed to fix the mortgage problem?

Not before you know what is there. The government's October 2026 paper says removing the foam will not always mean a lender will still lend, that improper removal can cause further problems, and that you should discuss it with your lender first. Each lender sets its own requirements. This inspection records the foam, what it was sprayed onto, ventilation and moisture first, so a decision to keep, remove or renegotiate rests on your loft rather than a removal quote. No one can promise what a lender will do.

How do I know which type of spray foam I have?

Open-cell foam is soft and spongy; closed-cell foam is hard and rigid once set. What it was sprayed onto, tiles, felt or a membrane, matters as much as the type. The inspection records both.

Do you remove spray foam?

No. SprayFoamCheck is inspection-only, with no removal arm and no referral fees, which is what keeps the report independent.

Independent inspection

Spray foam mortgage problem inspection

A lender, valuer or surveyor has flagged the spray foam and the sale or remortgage has stalled. This inspection records what is in the roof, independently, so you can decide what to do next. It isn't a report for a lender, and no one can promise what a lender will do.

Independent
£295
Travel included within ~3 hrs of the North West
Report in 48–72 hours

Book an inspection · £295 Call or WhatsApp 07349 718935

Travel included within about three hours of the North West; a fixed supplement further away, shown with your total before you book.

Independent: SprayFoamCheck doesn't install or remove insulation and takes no referral fees.

Who it's for

Book this one if

A valuer or surveyor has flagged spray foam and the mortgage or remortgage has stalled
You're selling and the buyer's lender has raised the foam
You've been told removal is the only way forward and want to know whether that is true
You want to know what is in the roof before paying anyone to take it out
A broker or solicitor has asked what evidence you have about the foam

What you get

What's included for £295

Included

On-site inspection by Jan — DEA qualified (ABBE Level 3)
Context section addressing the specific issue raised
Foam type, condition, ventilation and moisture findings
Photo-referenced written report that is yours to share as you choose

What it isn't

Prediction about any lending decision
Removal or installation work
Legal or financial advice

Not a RICS survey, and not a report for a lender: when a lender asks for a RICS survey or a structural report, that is a separate instruction this inspection doesn't replace. Use it to find out independently what is in the roof; use a RICS surveyor for the lender's formal requirement if one is asked for.

Travel is included within about three hours' drive of the North West base. Further away, a fixed travel supplement is added (£50 South & East England, £75 Greater London, £100 far Cornwall) and shown with your total as soon as you enter your postcode, before you book. Express delivery (+£50) is 24 hours from the visit. Questions after the report are free.

How it works

Four steps from booking to report

1
Tell us where and why
Name, postcode and your situation, on the booking page. No payment is taken at this stage.
2
Jan calls to confirm
Usually the same working day, to check the inspection is the right one for you and fix a date. The visit is usually within 3–7 days.
3
The inspection, 60–90 minutes
Jan comes to the house, looks, measures and photographs. You're welcome to be there and ask anything.
4
The report, within 48–72 hours
Photographs, readings, what they mean, and what to do next. Yours to share with whoever you choose. Questions afterwards are free.

How this compares with a free survey, a RICS survey and a PCA-trained inspector

Google Reviews

What people say on Google

5.0 from 9 Google reviews

Posted on Google

Promptness, professionalism, affordability, and detailed, easy-to-understand reports. I will recommend him anytime, any day.

Tunde Adeolu Adewole

August 2026

Posted on Google

WOW, What top notch service.... We have had no idea where to turn since the absolute mess provided by The spray foam installation. I found Sprayfoamcheck online and contacted Jan who has been professional and helpful from day one. His report and guidance has helped us start the ball rolling toward getting past the last two years of the mess we were left with physically and monetarily... 110% recommend this company and once we have established closure with this, i will provide a further update. THANK YOU !!!

Paul Barnett

August 2026

Posted on Google

If you are looking to get your Spray foam insulation independently checked then I can highly recommend Jan. The inspection report he provided was comprehensive, well-structured, and easy to understand. He carried out a thorough assessment, clearly identifying the condition of the spray foam insulation and explaining the findings with supporting photographs and detailed observations. The recommendations were practical, unbiased and extremely helpful, giving me confidence in the report's accuracy. Even after his inspection and report, I was able to contact him with any queries which he was more than happy to help with. He is worth every penny!

Jason Di Mascio

July 2026

Posted on Google

I cannot recommend Jan at Spray Foam Check highly enough. From start to finish, his professionalism, expertise, and dedication have been outstanding. The report he produced for me was incredibly thorough and detailed—far beyond anything I expected. Every aspect was carefully evidenced, clearly explained, and presented with a level of precision and care that has given me real confidence in moving forward with my claim. It's clear that Jan puts a huge amount of time and effort into his work, and it truly shows. What stood out most was not just the quality of the report, but the genuine commitment behind it. I felt fully supported throughout the process, and the final report is an invaluable document that I know will make a significant difference in resolving my situation. If you are looking for someone knowledgeable, diligent, and genuinely invested in achieving the best outcome for you, I wouldn't hesitate to recommend Jan. Thank you again—your work has made a huge difference to us.

Lel Brady

June 2026

Posted on Google

After Jan had surveyed the work done in my loft by , he produced a damning report (30 pages) of all the terrible work had done and, thanks to Jan, I was able to get a full refund from , which I can now use to get the work done by a reputable company. Jan was extremely thorough throughout & I am extremely grateful to him – he is a superstar!

Kim Adamson

June 2026

See all our reviews on Google →

Questions

Before you book

Tap a question to open the answer.

Will your report satisfy my mortgage lender?: It's independent evidence for your own decision: whether to remove, retain or renegotiate. It records the foam type, what it was sprayed onto, its condition, ventilation and timber moisture readings, with photographs, and it's yours to share as you choose. No one can promise what a lender will do, and it's worth being wary of anyone who does.
Are you chartered surveyors? Do you provide RICS reports?: No. SprayFoamCheck is an independent spray foam inspection service run by Jan, who is DEA qualified (ABBE Level 3). It is not a RICS practice and does not produce RICS reports.
Will every lender refuse a property with spray foam?: No. In the BBC's November 2024 survey of the 20 largest lenders, five would not lend and most of the rest decided case by case on the valuer's report. The guide lists what each lender publishes, with the date it was checked. In October 2026 the government named eight lenders as open to lending, subject to their own requirements.
Should I have the foam removed to fix the mortgage problem?: Not before you know what is there. The government's October 2026 paper says removing the foam will not always mean a lender will still lend, that improper removal can cause further problems, and that you should discuss it with your lender first. Each lender sets its own requirements. This inspection records the foam, what it was sprayed onto, ventilation and moisture first, so a decision to keep, remove or renegotiate rests on your loft rather than a removal quote. No one can promise what a lender will do.
How do I know which type of spray foam I have?: Open-cell foam is soft and spongy; closed-cell foam is hard and rigid once set. What it was sprayed onto, tiles, felt or a membrane, matters as much as the type. The inspection records both.
Do you remove spray foam?: No. SprayFoamCheck is inspection-only, with no removal arm and no referral fees, which is what keeps the report independent.

The UK Spray Foam Guide

The background, with sources

The whole guide

Spray foam and mortgages in the UK

What lenders actually publish, each with the date it was checked, and what the government has said.

Read the guide

Selling a house with spray foam

What buyers' surveyors flag, the TA6 questions, and how to get ahead of them.

Read the guide

Buying a house with spray foam

What to ask before exchange and what an inspection can and can't tell you.

Read the guide

Does spray foam have to be removed?

When removal may or may not be justified, and what to ask first.

Read the guide

Other inspections

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