[joaodlf]

The costs are totally prohibitive, though. We're talking tens of thousands of pounds, whatever direction you decide to take.

You could spend 10s of thousands of pounds in a "properly sized" heat pump system. Or you could spend 10s of thousands of pounds in insulating your home + a more moderate heat pump.

[ClumsyPilot]

Insulation always pays for itself in the long run, but the period of payoff like peruod of payoff on a mortgage - 10-20 years. We need very generous finance on making home improvements