Spray foam is going to be another PPI... how on earth anyone could think offering grants for it was a sound idea is daft. Traditional roofing and construction design for domestic dwellings is about having the loft space on the cold side of the thermal barrier. Most condensation issues are caused by a lack of air exchange in the loft space combined with warm air leaking through the thermal barrier between the upper ceiling and the loft space. Covering the underside of the slates/tiles etc. with a layer of expanding foam is completely the wrong thing to do. It promotes ventilation restriction... trapping warm air in a cold space, covers timbers that shouldn't be covered and blocks any breathing of the roof membrane. I can completely see why mortgage companies are wary. It's a crap idea and thankfully one I don't have to contend with.