More2Life and spray foam insulation
Our contractors: 15,123 verified reviews across 8 platforms, rated 4.9 on GoogleMore2Life is reported to accept spray foam insulation only where it was fitted during the property's original construction, not added to an existing roof afterwards, which excludes most UK cases. Verified September 2026, and worth confirming your specific case with an adviser.
More2Life's reported position
Adviser and trade sources place More2Life among the small number of equity release providers reported to accept spray foam under a narrow condition, that it was installed as part of the original build rather than retrofitted. Since the great majority of UK spray foam was sold and fitted as a retrofit, particularly between around 2015 and 2022, this exception is reported to apply in only a small minority of cases. More2Life has not published its own criteria, so this is a reported position, last verified September 2026.
What this means for you
The practical effect of this exception is narrower than it can sound. It does not mean More2Life is generally more flexible on spray foam than Aviva, Just or Canada Life; it means one specific category of property, insulation designed in from the start and signed off through original building control, may be treated differently from the far more common case of foam sprayed into an existing loft years after the house was built.
If you are not sure which category your property falls into, the practical test is usually straightforward: was the house built with the foam already in the roof, with contemporaneous paperwork to show it, or was the foam added afterwards, by an installer visiting an existing home. The second describes almost every case this brand deals with, and for that group, More2Life's position is functionally the same as the equity release providers reported to refuse outright.
This is not More2Life's published policy. No lender publishes its spray foam criteria, so treat this as a reported starting point, last verified September 2026, and confirm your specific case with an equity release adviser before assuming this exception applies to you.
What to do next
Three routes, and the first is the one most people can answer immediately.
- Work out honestly which category applies. Original construction with paperwork to prove it, or a retrofit installed later. Most UK cases are the latter.
- If it is a retrofit, plan around an inspection and possible removal, the route relevant to the great majority of equity release applicants dealing with spray foam, rather than relying on this exception.
- If it genuinely was original construction, gather the build paperwork and speak to an adviser, since that is the specific case this exception is reported to cover.
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
Two steps. No deposit, and nothing to pay if the foam is sound.
More2Life and spray foam, common questions
Is More2Life more lenient overall than other equity release providers on spray foam?
Not reported to be, once you set aside the narrow original-construction exception. For a retrofit installation, which is the large majority of UK cases, More2Life's reported position is in line with the market's near-total refusal.
What counts as proof the foam was original construction?
Contemporaneous building control sign-off and original build specifications are the clearest evidence. An adviser can help establish what More2Life is likely to accept as proof.
If we are unsure, should we ask More2Life directly first?
Speaking to an adviser first is usually more efficient; they can assess your paperwork before an application is made and avoid an unnecessary decline going on record.
Does this exception apply to new-build homes bought recently with older spray foam already fitted?
Potentially, if the foam was genuinely part of that home's original construction rather than added by a previous owner as a retrofit. The distinction is about when the foam went in, not how recently you bought the property.
Read next
Every lender, one table
See where every major lender and equity release provider stands, dated and sourced.
Read thisDo you actually need it removed?
Around two thirds of inspected lofts had no defect. Work out which kind of loft you have.
Read thisWhat removal costs
Every 2026 figure, by foam type and property size, with the extras itemised.
Read this