Consumer Duty – an update

Key Consumer Duty developments and recent communications issued by both AMI and the FCA, with commentary on implications for mortgage intermediary firms…

AR regime – updated AMI Q&A and deadline reminder

Having heard back from the FCA, we have updated AMI’s Q&A documenton the AR regime. We also wanted to remind firms of the upcoming 30 November 2023 deadline…

FCA application window open for firms approving promotions for unauthorised persons

Firms that approve financial promotions for unauthorised persons have until 6th February 2024 to apply for approver permission from the FCA…

FSCS levy and compensation figures update

The FSCS has released an update on its levy and compensation figures for 2023/24, as well as anticipated levy figures for 2024/25…

AMI unveils The Perception Gap, the fourth annual Protection Viewpoint

This Viewpoint features hot topics facing the industry, including value of advice, building trust, consumer buying habits and generational views & attitudes…

Your October update from AMI Chief Executive Robert Sinclair

AMI Chief Executive Robert Sinclair gives his October update, focusing on AMI’s Protection Viewpoint, new build and Consumer Duty…

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Spray Foam


AMI Chief Executive Robert Sinclair recently appeared on the Radio 4 show Money Box, to talk about spray foam and the implications on mortgages (00:23-13:53).

We are aware, at present, the majority of lenders will decline a property where spray form is installed (we understand there are currently no lifetime mortgages lenders that will lend on a property with spray foam installed). Often this is because there is no way for surveyors to know if spray foam has been installed correctly, without removing it (which is likely to incur further expense and could cause damage).

During the show, Robert urged caution to consumers in using this solution because of the risks of a property becoming unmortgageable. We feel it’s also important for brokers to help educate customers on the issues and risks.

We understand relevant bodies are in talks to develop protocols to try and move the situation forward.


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