Mortgage refusal due to spray foam on the roof deck
Why it happens here
Lenders class foam applied directly to roof felt as a risk because it can trap moisture and hide timber decay. In Selhurst's Victorian terraces, the foam was often sprayed right onto the felt with no ventilation gap, which is exactly the pattern surveyors flag.
Our approach
We remove the foam, inspect the timbers underneath and issue a written condition report you can pass to your lender. That documentation is usually what unblocks the mortgage, and we can often turn the job around inside a week.