Mortgage lender refuses to lend on a foamed roof
We remove the foam and provide a lender-ready report with photos and moisture readings. Most Grimsby buyers we work with complete within three weeks of our report reaching the surveyor.
Thermal Spray Foam Removal in Grimsby is what we do every week, from East Marsh terraces to Scartho semis. If spray foam is trapping moisture in your loft, blocking a mortgage, or hiding timber decay, our team removes it cleanly and disposes of it legally. We are based locally, we carry full insurance, and we leave your roof space ready for proper insulation.

Thermal Spray Foam Removal in Grimsby is the controlled stripping of spray-applied polyurethane foam from roof timbers, loft decks, and cavity walls. The foam is cut back with a spray foam cutting saw and oscillating multi-tool, then extracted with an industrial vacuum and air scrubber so dust and fibres do not spread through your home. We inspect every rafter with a boroscope camera and moisture meter before we sign the job off, because foam often hides rot underneath.
Most Grimsby homeowners call us after a failed building survey or a mortgage refusal. Lenders flag closed cell foam because it seals timbers and traps condensation, which leads to roof rot, timber decay, and reduced ventilation. We also handle thermal insulation removal North East Lincolnshire wide for landlords, buyers, and sellers who need a clean report before completion. If you have been searching for thermal spray foam removal near me in Grimsby, we cover the whole DN31 to DN41 area.
Every job includes the full extraction process, waste disposal, and a written completion report. We do not charge extra for the survey, the report, or the clean-up. If rot or failed membrane turns up mid-job, we quote that separately before doing the work, so you always know where you stand.
We measure foam coverage, check moisture levels with a meter, and inspect timbers with a boroscope camera. You get a written fixed quote the same day, usually within four hours of our visit.
Cutting, vacuuming, and bagging of all spray foam, whether open cell, closed cell, or mixed. We work rafter by rafter and do not leave patches behind for a surveyor to flag.
Every rafter is checked for rot and damp once the foam is off. Affected timber is treated with Envirograf preservative, and anything structurally soft is cut out and replaced with treated timber.
All foam and debris is removed under a licensed carrier note. You get a copy for your records. Nothing is fly-tipped and nothing goes to landfill without the correct paperwork.
A written report with before and after photos, moisture readings, and a summary of work done. Formatted so your mortgage lender or surveyor can accept it without follow-up questions.
Our removal work is backed by a workmanship warranty. If a timber we treated shows problems within the warranty period, we come back and put it right at no cost to you.
We visit, measure the foam coverage, and check timbers with a moisture meter and boroscope camera. You get a written quote the same day, usually within four hours. No charge, no obligation, and no pressure to book on the spot.
Before any cutting starts we seal doorways, lay protective sheeting, and position the air scrubber. This keeps foam dust out of your living space. Setup takes around 45 minutes on a standard three-bed semi and we do it before you notice we have arrived.
We cut the foam with a spray foam cutting saw and oscillating multi-tool, working rafter by rafter. An industrial vacuum pulls debris straight into sealed bags. A typical 60 square metre loft takes one full day with two technicians on site.
With the foam gone we inspect every rafter, checking for rot, damp, and failed vapour barrier. Anything soft gets cut out and replaced. We photograph each stage so your surveyor or lender has a clear record of what was found and what we did.
We vacuum the loft, wipe down surfaces, and remove all waste under a licensed carrier note. You receive a completion report with before and after photos, moisture readings, and a summary you can hand straight to your mortgage lender.
Purpose-built equipment, used by trained technicians — so the job is done accurately the first time.
Cuts through dense closed cell foam cleanly without tearing the timber underneath. Essential for the hard foam lenders refuse.
Gets into corners, rafter gaps, and tight attic spaces where a saw will not fit. Used for detailed trimming around pipes and wiring.
Captures foam dust at source and filters the air in the work area. Keeps your home clean and protects our technicians' lungs.
Lets us inspect behind foam and inside rafter cavities before and after removal. We photograph everything for your report.
Reads timber damp levels before and after extraction. The readings go into your completion report for the lender.
Standard kit for every technician on site. Foam dust is an irritant and we do not cut without full protection.
Used on delicate or listed buildings where abrasive methods would damage historic timber or stone.
A three-bed semi in Scartho with closed cell foam sprayed across every rafter. The buyer's lender refused the mortgage. Moisture readings were 26 percent on the worst timbers, and two rafters had visible rot at the eaves.
Foam removed in a single day by two technicians. Rotten rafters replaced, timbers treated, and moisture readings dropped to 13 percent within 48 hours. The lender accepted our report and the sale completed three weeks later.
A four-bed detached in Wybers Wood with open cell foam across the entire loft floor and rafters. The owner was selling and the surveyor flagged it as a defect. Access was good, but the foam was thick and had started to crumble at the edges.
Full extraction completed in half a day. Industrial vacuum and air scrubber kept dust out of the house. All foam bagged and removed under a licensed carrier note. The next surveyor passed the property without comment.
A coastal property in Cleethorpes with foam sprayed directly onto the sarking. Damp patches had appeared on the upstairs ceiling. Once we cut the foam back, we found a failed breathable membrane and three rotten rafters near the chimney.
Foam removed over two days, rotten timber replaced, and membrane repaired. Moisture readings fell from 31 percent to 12 percent. The ceiling was redecorated a month later and has stayed dry through two winters since.
Foam causes more trouble than most homeowners realise until a surveyor or lender flags it. These are the four issues we deal with most often across Grimsby and North East Lincolnshire.
Ask a pro →We remove the foam and provide a lender-ready report with photos and moisture readings. Most Grimsby buyers we work with complete within three weeks of our report reaching the surveyor.
We strip the foam, inspect every rafter with a moisture meter, treat affected timber with Envirograf, and replace anything that has gone soft. The roof is left dry and ventilated.
We clear the foam before the next survey and give you the documentation to prove it. The next surveyor sees a clean, ventilated roof with no foam to flag.
Removal brings the property back within standard insurance terms. We provide the paperwork your insurer needs to confirm the foam is gone and the roof is sound.
Typical 2026 pricing in Grimsby runs from £1,800 for a small loft to £4,500 for a full roof with rot repairs. The main factors are square metres of foam, access, and whether timbers need replacing. We give you a fixed figure after the free survey, so you know the total before we start.
Yes. We cover the whole of North East Lincolnshire, from Grimsby Town Centre out to Immingham, Keelby, and Habrough. We also work across Cleethorpes, Humberston, and Waltham. Most jobs are surveyed within 48 hours of your call and completed within a week.
Removal usually helps. Lenders refuse mortgages because the foam is present, not because it was removed. Our completion report gives your lender photographic proof the foam is gone, moisture readings are normal, and the roof is sound. Several Grimsby buyers have completed within three weeks of our report.
A standard three-bed semi loft takes one full day with two technicians. Larger roofs, cavity wall foam, or jobs with significant rot can run to two or three days. We tell you the expected duration at quote stage and stick to it, barring hidden damage we could not see.
Free survey, fixed price, and a lender-ready report when we finish. Call Apex Focus Spray Foam on 0147 246 0146 and we will book your survey, usually within 48 hours. Four years serving Grimsby, fully insured, and every job backed by our workmanship warranty.
Get Free Survey 0147 246 0146 →Ring us on 0147 246 0146 between 8am and 6pm, Monday to Friday, and we will book a survey at a time that suits you. Most Grimsby postcodes get a same-week appointment, and urgent mortgage deadlines are usually accommodated within 48 hours. If you prefer, email [email protected] with a photo of your loft and we will give you an initial view before we visit.