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Metro Bank and spray foam insulation

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Metro Bank is reported among the lenders that decline mortgage applications on properties with spray foam in the roof, rather than weighing a specialist inspection case by case. Last verified September 2026, and worth confirming with a broker before you plan around it.

Written by the Spray Foam Removal Pros survey teamLast checked September 20265 minute read

Metro Bank's reported position

Broker sources and trade press place Metro Bank in the group reported to refuse spray foam cases outright, consistent with the BBC's November 2024 survey, which found around a quarter of the UK's largest mortgage providers would not lend on a foamed roof at all. Metro Bank has not published its own spray foam criteria, so this is a reported position, last verified September 2026.

What this means for you

Metro Bank's mortgage book is smaller than the major high street lenders', and a smaller, more centralised underwriting team is one reason brokers describe its exclusions as applied consistently rather than case by case. Spray foam sits alongside a handful of other construction features treated the same way.

If Metro Bank is the lender involved, the useful question is less about which inspection report would satisfy them and more about whether there is a lender better suited to this property. Get the roof looked at either way, since the condition of the foam matters for the transaction regardless of which lender ends up financing it.

This is not Metro Bank's published policy. No lender publishes its spray foam criteria, so treat it as a reported starting point, last verified September 2026, and have a broker confirm the current position before acting on it.

What to do next

Three routes, and the third is usually the one that resolves this fastest.

  • Inspect the loft first. No cost, and the Property Care Association's inspections found no defect in around two thirds of the lofts it looked at.
  • Remove and document if needed, so the property is in the best position for whichever lender the mortgage ends up with.
  • Ask a broker about a lender assessing case by case. Metro Bank's reported policy does not apply to other lenders, and switching is usually quicker than waiting for an exception here.

No obligation, no deposit

Get the loft looked at properly

Whatever your lender's position, the starting point is the same: know what is actually up there. An inspection gives you a written verdict and photographs, and if the foam is sound that is what the report says.

Book the free inspection

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What is happening with your property?

No deposit. You pay nothing until the work is finished and inspected. If the foam is sound, we will say so and there is nothing to pay at all.

We use your details to arrange the inspection and nothing else. We never cold call. If someone rang you unprompted about your loft, it was not us.

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Metro Bank and spray foam, common questions

Is Metro Bank more flexible for smaller loans?

There is no reported pattern showing loan size changes the outcome. The exclusion is described as tied to the presence of spray foam rather than the size of the mortgage.

Does Metro Bank's position differ for buy-to-let applications?

Broker sources do not report a clear distinction between residential and buy-to-let cases at Metro Bank on this issue. Check the specific product with a broker.

Would a certificate from the original foam installer help?

It may be useful evidence to keep for a case-by-case lender, but it is not reported to be the kind of document that overturns a blanket exclusion at Metro Bank.

How do I get a definitive answer from Metro Bank?

Through a mortgage broker who deals with spray foam cases, or by having your conveyancer put the specific question to Metro Bank in writing. Treat any published table, including this one, as a starting point only.

Would a smaller, more localised patch of spray foam make a difference to Metro Bank?

Not reported to. The exclusion is described by brokers as tied to the presence of spray foam anywhere in the roof, rather than scaled to the area treated.

Is Metro Bank likely to review this policy given the pressure on the wider market?

There is no sign of that as of September 2026. Government engagement with lenders has continued into 2026, including a ministerial roundtable in March with a follow-up in May, but press coverage in July 2026 still described the underlying problem as growing rather than easing.

Read next

Every lender, one table

See where every major lender and equity release provider stands, dated and sourced.

Read this

Do you actually need it removed?

Around two thirds of inspected lofts had no defect. Work out which kind of loft you have.

Read this

What removal costs

Every 2026 figure, by foam type and property size, with the extras itemised.

Read this

Start with the inspection

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