Equity release lenders are among the strictest on spray foam. In 2025, Mortgage Solutions reported that equity release lenders had a blanket ban on homes with it.
Specialist products
Some products have been designed for this situation. In July 2023, Equity Release Supermarket and LiveMore launched a lifetime mortgage for people aged 50 to 90 that allowed release on a spray foam home, on condition the foam was removed within 90 days of the money being paid out. That meant the released money could pay for the removal.
Products and criteria change often. Speak to a qualified equity release adviser about what is available now. This page is general information, not financial advice.
Getting removal right for equity release
If a lender lets you release first and remove afterwards, you'll have a deadline. Book a firm that can survey quickly, confirm it will supply the completion paperwork the lender asks for, and check the timeline before you sign.
SourcesInformation checked 6 Nov 2026. General information only, not legal or financial advice.
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