Question to the Ministry of Housing, Communities and Local Government:

To ask the Secretary of State for Housing, Communities and Local Government, pursuant to the Answer of 4 September 2024 to Question 2960 on Insulation: Housing, what steps she is taking to ensure homeowners who retrofit their homes with recommended measures are not penalised by mortgage lenders.

We are aware of the issues some homeowners are facing in obtaining finance where spray foam insulation has been installed. Officials in the department have previously consulted UK Finance and the Building Societies Association, the trade bodies for lenders about this matter, who advise that their members rely on the views of valuers and surveyors on this issue.

Whilst the department cannot comment on the decisions made by individual lenders, the presence of spray foam should not automatically prevent lending, and decisions should be made on a case-by-case basis following a survey.

That is why it is important that surveyors continue to follow published protocols published in March 2023 to support these assessments, which can be found here: https://www.property-care.org/resources/spray-foam-insulation-inspections(opens in a new tab)(opens in a new tab) and Guides & Documents - IMA (insulationmanufacturers.org.uk)(opens in a new tab).

The Government do not specify or recommend which types of insulation are appropriate for a particular property, and all measures installed under government schemes must be installed by TrustMark registered installers.