Spray foam removal
Spray foam doesn’t have to mean the end of the road.
Looking for a mortgage for a client whose property has spray foam insulation? If spray foam is making it difficult to mortgage, sell or release equity from their home, we could help them find a way forward.
Our spray foam solution brings the lending and professional removal process together, so we can consider the property on the basis that the spray foam has been removed.
We bring the lending and removal together to help make the process smoother for you and your client, from start to finish.
A practical approach to spray foam mortgages
Spray foam insulation can make it difficult for homeowners to mortgage, sell or release equity from their property. Concerns about installation quality, roof condition and longer-term structural risk can complicate a mortgage application.
The scale of the problem: Mortgage Solutions reported in July 2026 that around 250,000 homes were affected by spray foam insulation, which can make it difficult to sell or release equity. Read the report (accessed 12 November 2026).
We work in partnership with Verified Building Services (VBS) to arrange professional spray foam removal by vetted tradespeople. Your client has no upfront removal cost, and the property is valued on the assumption that the spray foam has already been removed, helping the lending decision move forward.
Every application remains subject to LiveMore’s lending criteria, valuation and underwriting.
How it works
Four steps, from submitting your client’s case to helping them move forward.
Step 1
Submit your client’s case. Start in the LiveMore Broker Portal with your client and property details.
Step 2
We assess the application. We review the case and arrange a valuation assuming the foam has been removed.
Step 3
VBS arranges removal. Vetted tradespeople remove the foam, with no upfront removal cost to your client.
Step 4
Complete the required work and mortgage process so your client can move forward. Mortgage completes and the cost of the spray foam removal is included in the mortgage advance.
Start your client’s spray foam mortgage application
Submit your client’s case through the LiveMore Broker Portal. Our team will assess the application, property and supporting information as part of the usual process.
Spray foam mortgage FAQs
Frequently asked questions answered right here
Can you get a mortgage on a property with spray foam insulation?
Yes, we can consider your client’s case, subject to our current lending criteria, valuation and underwriting. Our solution brings the mortgage and professional spray foam removal together, so we can consider the property on the basis that the foam will be removed.
Is every spray foam mortgage case eligible?
No. The spray foam removal product is only available on our Lifetime Mortgage Product Range andeEvery application is considered individually and remains subject to LiveMore’s current lending criteria, valuation and underwriting. Brokers should review the Product Information Sheet before submitting a case.
Does the spray foam need to be removed?
Yes, our lending criteria requires that Spray Foam is removed prior to completion. Professional removal is an essential part of this solution. We work with Verified Building Services (VBS) to arrange the work through vetted tradespeople, so your client does not have to organise removal themselves.
Can my client arrange or carry out spray foam removal themselves?
Your client can arrange for the spray foam to be removed independently via appropriate tradespeople but this will be at their own cost and will need to be completed prior to their application with us. We work with VBS to arrange professional removal through vetted tradespeople, so you and your client do not have to organise the work. Your client should not attempt to remove the spray foam themselves
Does the customer need to pay for spray foam removal upfront?
No. Your client has no upfront spray foam removal cost. The cost of the spray foam removal is included within the mortgage advance to make things simpler for you and your client.
How is a property with spray foam insulation valued?
We value the property on the assumption that the spray foam has already been removed. This allows the lending decision to progress while the professional removal forms part of the overall process.
What information is needed for a spray foam mortgage application?
Start the application through the LiveMore Broker Portal using the link on this page. You can then track the case through the usual process.
How do I apply for a spray foam mortgage for my client?
Start the application through the LiveMore Broker Portal using the link on this page. You can then track the case through the usual process.
Spray foam mortgage product information
Need the detail? Read the Spray Foam Product Information Sheet for the full requirements before submitting your case. Ready to submit your client’s case? Open the LiveMore Broker Portal to start an application.
Got a tricky spray foam case?
Bring it on. We look at the whole story, not just the score. Submit your client’s case and let’s see what is possible.
We love a challenge here at LiveMore, so if you've got a tough case that keeps hearing no, bring it our way! Let us try and get you that 'YES' for your client.
Head of Underwriting