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Updated for January 2026

Can open-cell spray foam get a mortgage?

Sometimes — with strong documentation and the right lender.

Open-cell breathes more, removes more easily, and is treated marginally better by lenders. Documentation is critical.

Frequently asked questions

Is open-cell removal cheaper?

Yes — typically 30–40% cheaper than closed-cell.

Worried spray foam is blocking your mortgage?

Get a free, confidential review of your situation. We'll tell you honestly whether removal is needed and which UK lenders may still consider your property.

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