> The average annual energy bill is £1,923 so even if that insulation was so effective it dropped the energy bill to zero, it'd still be a pretty bad investment

> The average annual energy bill is £1,923 so even if that insulation was so effective it dropped the energy bill to zero, it'd still be a pretty bad investment. That would be what, like 7% return on investment? We just had a period of ~0% interest rates and <2% mortgage rates. It is not realistic to expect ROI of only a few years for upgrades to buildings or infrastructure. Lifespan of these things is like half a century or more. Coming from eastern Europe, the age and condition of housing here was a bit shocking. There used to be a grant in UK for insulating housing, and it was cut by conservative government. Our rate of insulating homes dropped form 2 million houses a year to basically zero. Without favourable credit, maybe zero interest credit, avaliable, of course individual homeowners will find it difficult to afford.