£700k mortgage arranged for a period property with spray foam insulation

Image of cotswold stone victorian vicarage.
Tuesday December 6, 2022

Are you looking to buy a property which is insulated with spray foam insulation?  Have you had your mortgage application turned down by lenders who consider the property at risk from damage due to this type of insulation? We are experts at arranging large mortgages with private and specialist banks who are happy to lend to such individuals.

To discuss this or any other large mortgage case, please contact us.

Case Profile

Our client had found their dream home.  A stunning period Cotswold stone, grade 2 listed, former Victorian vicarage set in lovely gardens with historical interest. However, our client was struggling to find a lender who would provide him with a mortgage due to the fact that the loft of the property was insulated with spray foam insulation.  This type of insulation can lead to rotting of the roof supports over time and so securing a conventional mortgage can be a challenge.

We were his last chance at securing the home of his dreams after having numerous applications declined.  Our adviser was happy to help.


This wasn’t going to be an easy solution but we also knew it wasn’t impossible.  After extensive research and numerous straight declines, our adviser sourced a lender who was willing to lend on a low Loan to Value (LTV) to offset the potential risk.

We negotiated a £700,000 repayment mortgage with a 43.7% LTV on a purchase price of £1,600,000.  The rate was fixed for 5 years on a term of 23 years.  In the meantime, our client is looking to replace the insulation which should improve his chances of a remortgage when his 5 year fixed rate comes to an end.

Our client was over the moon that we managed to help him secure his dream home against all odds.

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Largemortgageloans is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London