Eco_Abi

As Joel is in Scotland, he might like to look up the Scottish Community and Householder Renewables Initiative (SCHRI) webpage: http://www.energysavingtrust.org.uk/schri
SCHRI provides grants covering 30% of the installed cost of renewables up to £4000 and these grants are continuously available to everybody (in Scotland) and not just on a first-come-first-served basis.

All the fuel suppliers are obliged to provide discounted insulation (cost-effective option installed by their contractors, not a grant to do your own - so if you want sheep's wool or such a green option you'll have to pay for your own) with different deals for cavity wall insulation and full or top-up loft insulation. You may get a bigger discount for being a customer but you can get the deal through any of the suppliers, so it may be worth getting a free, no-obligation quote from a few of the companies. Householders over 70 should get free insulation (loft insulation dependant upon a minimum existing level) and those on certain benefits can get a grant through Warm Deal (in Scotland, similar scheme elsewhere). See the fuel suppliers' websites for more details.

Pay-back for discounted cavity wall insulation is only a few years as up to a third of your heat can disappear through your walls. An uninsulated loft can let a quarter of your heat out! Well worth the outlay!