Do all the sums – twice – before you get into long-term debt to retrofit your home

New government-backed loans still leave retrofits the preserve of either the well-to-do or the underprivileged

Retrofitting your home can cost a lot of money, but it can pay off in the long run

Gabrielle Monaghan

We’re a nation in the thick of a home energy upgrade frenzy.

Wherever you turn there are contractors ripping out oil tanks, single-glazed windows and front doors, sealing off open fires, and putting solar photovoltaic panels on roofs.