How to keep your house warm

fa-homeowners ["Homeowners"]
Looking out of window

Insulating your home can help reduce your energy bills and keep your home warm in the cooler months and comfortable in the summer.

Winter often comes with higher energy bills as we’re turning up the heat to keep ourselves warm and toasty. But how much of your hard-earned heat is escaping?

Effective insulation is key to a more energy efficient home and the benefits soon add up:

  • Reduce your energy bills
  • Warm your home up quicker
  • Keep your home warmer for longer
  • Reduce your carbon footprint
  • And you could even add value to your home

Where are you losing heat?

  • Lofts – a quarter of heat is lost through the roof on an uninsulated home. It’s recommended to have 270mm of insulation in your loft so time to get the ladders out and check you have enough.
  • Walls – a third of heat is lost through the walls of an uninsulated home. If you have a cavity wall (most houses built after 1920s), you can fill the gap to keep heat in, or if you have solid walls, you can add an extra insulating layer.
  • Glazing – double, triple or even just thick curtains all help keep the heat in with the added benefit of reducing external noise.
  • Draught-proofing – even in a warm home, draughts can make you feel colder. So adding strips and seals to keep the draught out will make you feel much more comfortable.
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How much could you save?

The Energy Savings Trust provides some estimated costs and savings for different insulation improvements to a semi-detached house. These will of course vary depending on how well insulated your home already is.
Home improvement Potential Costs Potential Savings per year (up to)
Loft insulation £300 £165
Cavity wall insulation £475 £185
Solid wall insulation Around (internal) £8,200 (external) £10,000 £225
Double glazing £4,250 - £15,600* for 12 windows in a 3 bed house £115
Draught-proofing doors, windows & chimney Up to £200 by professionals £35


How could you pay for it?

These improvements aren’t cheap, but you should be able to recoup these in the long run. You could also save some money by doing the work yourself or speaking to your energy provider, who may be able to subsidise some insulation work.

There are different government schemes too which you may qualify for so it’s worth visiting to find out more.

You could also consider borrowing more on your mortgage (known as an additional loan) to fund more significant work such as installing double glazing. Just speak to your mortgage provider for more information.

Planning ahead and making just one or two of these changes will help keep you warm this winter, and save you money in the long run.

If you're looking for more ways to be energy efficient in your home, check out our article on living greener and saving money.