If you wanted a warm roof
PIR between the rafters with multifoil or PIR under them gives a warm, inspectable roof that meets Building Regulations and keeps the felt visible. Foil roof insulation and rafter insulation.
If you wanted the loft warmer for tanks and pipes
Insulate the pipes and tank and the loft floor, or insulate the rafters conventionally. Both are cheaper than foam and neither hides the timber.
If you wanted a thin solution
Multifoil is the thin option. 30–45mm of quilt plus air gaps, certified, removable, inspectable. Multifoil insulation.
If you wanted airtightness
A taped multifoil or PIR layer with a vapour control layer on the warm side achieves the airtightness spray foam was praised for, without bonding to the timbers.
Tell us what you wanted from spray foam and we will show the route that gets it.
Why lenders accept these and not foam
They can be seen past. A surveyor can lift a board or look behind a quilt and see the rafter. Foam bonds to the timber and the felt and cannot be inspected without destroying it. That single difference is the whole issue.
Questions homeowners ask
Is there a spray foam that lenders accept?
- GOV.UK — Room in roof insulation best practice — checked 2 September 2026
- Energy Saving Trust — Roof and loft insulation — checked 2 September 2026