Common architectural pattern in northern Europe is externally insulated masonry buildings that have significant amount of mass inside the thermal envelope. In s

Common architectural pattern in northern Europe is externally insulated masonry buildings that have significant amount of mass inside the thermal envelope. In such buildings there is enough time-delay in temperature changes that the time of heating does not matter much. And while heat-pumps have a higher coefficient of performance when temperature difference is smaller, this is overwhelmed by pricing difference of peak vs off-peak energy.