Mortgage Mission Impossible?

ACG

Some lenders do not send out a surveyor or ask about it... However, its impossible to guarantee and many of the specialist lenders or building societies I think you will need probably will send out a surveyor but it could be a route to explore. 

MWT

Mixmyth said:

...There are no problems with the installation, nor are there any of the symptoms that are listed to cause problems.  The problem I will have is convincing a lender of this.

This is where the documented state of the roof before installation comes in...

Not saying it is going to be easy, but if this was done properly with a documented inspection of the roof before the foam was installed, that forms part of your proof to a lender that this wasn't just 2 guys turning up and spraying whatever they had in the van on to the roof timbers...

Mixmyth

I agree.  That's the problem.  A guarantee might exist but the state of the roof isn't stated at the time of installation.  The FCA and lenders have zero strategy or agreed way forward with regard to this type of insulation.  They are stuck between the insulation having caused possible problems in some installations and the great insulation benefits this type of installation gives.  As a property trade, they don't really know what they are doing.  In the mean time, property's with it installed are largely un-mortgageable.

Cheers.  Mick.

LondonBuyer

We've been going through this exact situation with Spray foam insulation that didn't have good documentation.

Barclays asked for proof of guarantee/reputable installer OR a report from a structural engineer, we arranged the invasive survey, which came back all OK. Despite this Barclays still refused to lend anyway and asked for it to be removed.

The seller ended up having to get the foam removed and re-surveyed mid December, we got the mortgage offer through today.

Lesson learned about wasting money on surveys when the answer would be No either way.