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Updated for January 2026

Do Nationwide accept spray foam insulation?

No — Nationwide has had a long-standing restriction on properties with retrofitted spray foam.

Removal is the standard requirement before Nationwide will lend.

Frequently asked questions

Does it apply to BTL too?

Yes — Nationwide's BTL arm follows the same approach.

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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