Major lenders in the UK are increasingly rejecting mortgage applications for homes with spray foam insulation, which poses risks of moisture retention and decay in roof timbers. Around 250,000 homes could be affected, many of which utilized the government’s Green Homes Grant scheme. Homeowners like Wendy Rowe have faced significant financial burdens after their homes became unsellable due to these issues. Experts caution that while spray foam can be beneficial if installed correctly, poor installations raise serious concerns and have led many to feel trapped in their financial situations.