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What this is
We maintain a lender-by-lender record of how UK mortgage lenders treat spray foam insulation, with a last-verified date on every row and a public change log showing what has moved and when. Nobody else in this market keeps this current, which is why brokers, surveyors, conveyancers and journalists keep asking for it.
If it is useful to your readers or clients, take it. The only thing we ask is that the credit link stays visible.
Why a plain HTML snippet and not a widget? Because a widget in an iframe puts the credit link inside our page, not yours — which helps neither of us. Real HTML on your page is faster, works in every CMS, survives with JavaScript off, and is readable by search engines. It is the honest format, so it is the one we lead with.
Option 1 — the full table (recommended)
Copy this into any HTML block, blog post or page. It is self-contained: no scripts, no stylesheets, no external requests. It inherits your page width and scrolls sideways on mobile.
<div style="font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;font-size:15px;line-height:1.5;color:#1a2733;max-width:100%;overflow-x:auto">
<table style="border-collapse:collapse;width:100%;min-width:560px;font-size:15px">
<caption style="caption-side:top;text-align:left;font-weight:700;padding:0 0 8px">UK mortgage lender positions on spray foam insulation</caption>
<thead><tr style="background:#1c3557;color:#fff"><th style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;text-align:left;border-color:#1c3557">Lender</th><th style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;text-align:left;border-color:#1c3557">Reported position</th><th style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;text-align:left;border-color:#1c3557">What this means in practice</th><th style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;text-align:left;border-color:#1c3557">Last verified</th></tr></thead>
<tbody>
<tr style="background:#fff"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Nationwide</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Case by case</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will lend where the foam was correctly installed and there is a warranty.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#f6f7f9"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Halifax</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Case by case</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will not refuse solely because spray foam is present; cases assessed on their merits.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#fff"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">HSBC</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Case by case</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">May lend where a specialist report confirms suitable installation and a warranty is provided.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#f6f7f9"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Lloyds</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Case by case</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Decisions made individually on the survey.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#fff"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Santander</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Case by case</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Decisions made individually on the survey.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#f6f7f9"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Barclays</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Case by case</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Decisions made individually on the survey.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#fff"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Yorkshire Building Society</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Restrictive</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Would not usually lend where there is a significant amount of spray foam.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#f6f7f9"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Metro Bank</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Restrictive</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Would not usually lend where there is a significant amount of spray foam.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#fff"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">TSB</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will not lend (new mortgages)</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Blanket position on new lending. Existing customers reviewed case by case, subject to correct installation, a valid warranty and available buildings insurance.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#f6f7f9"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Skipton Building Society</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will not lend</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will only consider the property once the foam has been removed.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#fff"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">The Co-operative Bank</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will not lend</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Reported as declining properties with spray foam.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#f6f7f9"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Principality Building Society</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will not lend</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Blanket position; the society has noted affected applications are under 1% of its volume.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">11 Aug 2026</td></tr>
<tr style="background:#fff"><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;font-weight:600;">Aviva (equity release)</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">Will not lend</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">No equity release provider currently lends where spray foam was retrofitted.</td><td style="padding:8px 10px;border:1px solid #d9dee5;vertical-align:top;">17 Aug 2026</td></tr>
</tbody></table>
<p style="font-size:13px;color:#4a5a6a;margin:10px 0 0">Positions are compiled from lender statements, published criteria and broker-reported decisions, and re-checked on the dates shown. Criteria change frequently — confirm with the lender or a broker before acting. General information, not mortgage advice.</p>
<p style="font-size:14px;margin:8px 0 0">Source: <a href="https://nationalsprayfoamadvisory.org/which-mortgage-lenders-accept-spray-foam/">UK spray foam mortgage lender table</a> — National Spray Foam Advisory.</p>
</div>Please do not alter the figures or remove the credit line. If a position changes we update it here — check the change log, or call us and we will tell you what moved.
Option 2 — just the citation
Quoting a figure in an article rather than reproducing the table? This is all you need.
<p>Source: <a href="https://nationalsprayfoamadvisory.org/which-mortgage-lenders-accept-spray-foam/">UK spray foam mortgage lender table</a>, National Spray Foam Advisory (last verified 17 August 2026).</p>Terms — short version
- Free to publish on any site, commercial or not.
- Keep the credit link to National Spray Foam Advisory visible and unmodified.
- Do not change the data or present it as your own research.
- Do not imply that we endorse you, your firm or your services.
- Positions change. We may update or withdraw the data at any time, and we are not liable for decisions taken on it.
Keeping it accurate
Every row carries the date it was last checked, and the table is reviewed at least quarterly and after any major lender announcement. Where we cannot evidence a lender’s position, we leave it out rather than guess.
This is general information, not mortgage advice. We are not regulated to give mortgage advice and we are not paid by any lender.
Questions, corrections, or want the data another way?
If you are a journalist on deadline, or you spot a position that has moved, tell us and we will check it and log it.
Call 0800 494 7163 — press and data enquiries welcome.