About the insulation thing, to be clear, it's just a heat pump and a certain R number in the floor and ceiling (correct me if I'm wrong). Pumps cost <5k to inst

About the insulation thing, to be clear, it's just a heat pump and a certain R number in the floor and ceiling (correct me if I'm wrong). Pumps cost <5k to install and insulation isn't that much more if done while building. Double glazing isn't mandatory either. What I'm trying to say is walking into a house here in winter still doesn't feel like a place in say, Northern Europe. I don't think it's that onerous. Sources: Partners brother in law is a builder, parents just had heat pumps installed, our landlord just installed underfloor insulation and it's currently 12 degrees C in the house.