Home Insulation

Gareth Snell Excerpts

Wednesday 26th November 2025 Westminster Hall

[Anna Dixon]

My hon. Friend makes the point very well, and I absolutely agree that poor housing is part of a public health emergency. Young and old alike suffer from cold and damp homes. At the extreme, cold homes kill. It has been estimated that they contributed to 5,000 excess winter deaths among older people in 2022-23. For me, that figure is shocking and unacceptable.

Poor-quality housing affects people differently. The Centre for Ageing Better and the Fabian Society recently published research showing that as many as 80% of owner-occupiers aged over 55 live in poor-quality homes.

I probably should have drawn attention to my entry in the Register of Members’ Interests in that I am co-chair of the all-party parliamentary group on housing and care for older people. I support the proposals put forward in the “Forward Planning” report. One that is relevant to today’s debate is the suggestion that older homeowners could receive loan guarantees for improvements through the national wealth fund. That would reduce the cost of borrowing for those who want to use it to pay for improvements, as well as crowding in private investment.

There are significant inequalities. According to the End Fuel Poverty Coalition, 3.2 million of those in fuel poverty are pensioner households, with 964,000 pensioner households in deep fuel poverty. People on low incomes are also at greater risk of fuel poverty, as are renters and households with children, as my hon. Friend the Member for Manchester Rusholme (Afzal Khan) mentioned. The cost of poor quality housing is colossal; it affects the health and wealth of individuals and the prosperity of the country, and it exacerbates existing inequalities.

There are also inequalities between north and south. In the north of England 41% of homes were built before 1944, 1.47 million homes are considered non-decent and £1 in almost every £4 spent on household heating is being lost due to poor insulation. The cost to the NHS of those non-decent housing conditions is estimated at £588 million per year, in addition to the societal cost of £7.77 billion, according to the Northern Health Science Alliance.

In response to this crisis we see really strong, innovative local efforts. I pay tribute to the charity Groundwork, which provides a “warm homes healthy people” scheme across the Bradford district, including in my Shipley constituency. It installs energy efficient measures, including insulation, and offers support and advice on energy bills.

[Gareth Snell (Stoke-on-Trent Central) (Lab/Co-op)]

I thank my hon. Friend for securing this debate. While she is looking at good local organisations, let me say that National Energy Action has often said that Stoke-on-Trent ranks first in the country for fuel poverty, but we are very lucky to have Fiona Miller and her team at Beat the Cold, who for 25 years have helped lead the fuel poverty action group in Stoke-on-Trent. They work with a whole variety of organisations to help homeowners and renters look at small local actions that they can take to increase insulation and reduce their bills. Will my hon. Friend join me in encouraging the Minister to tell us what more he and the Department can do to help organisations on the ground today with those small acts that bring down bills before the big roll-out of energy insulation?

[Anna Dixon]

I commend the work of local organisations such as Beat the Cold and the charity Groundwork. I also hope that the Minister will say how he can help support those efforts locally.

Another local project that I would like to pay tribute to is Saltaire Retrofit Reimagined. It is a community-led home retrofit initiative supported by the UK shared prosperity fund, as well as the Footwork Trust and the Shipley area committee. It has focused on improving heating and energy efficiency in our beautiful listed heritage properties within the Saltaire world heritage site. The project engaged with homeowners, tenants and landlords to understand their perspectives on what effective energy and insulation retrofit should look like. Based on that, the team developed bespoke, heritage-sensitive guidance for upgrading listed homes that were originally built in the 1850s and 1860s, and which are some of the most challenging properties to retrofit. The blueprint and toolkit that it has produced removes both time and cost involved for individual homes to get surveys, and provides confidence that they will get planning permission to retrofit their listed homes. Its work is inspiring and supports our national goals to reduce energy and achieve net zero. I invite the Minister to visit Shipley and Saltaire and see at first hand the great work that it is undertaking—it is a national exemplar of heritage retrofit for homes.

Given the clear evidence of harm caused by poor-quality housing, it is concerning that under the previous Government, we saw measures under the energy efficiency obligation plummet from around 80,000 per month in early 2014 to less than 20,000 from mid-2016 to 2020. The Conservatives significantly reduced the rate of energy efficiency installations. Meanwhile, energy bills rocketed. Between 2020 and 2024, UK-based energy companies made a profit of £420 billion. I am proud that Labour not only proposed imposing a windfall tax on oil and gas companies in opposition, but increased it when in Government in 2024. We should adopt the polluter pays principle and ensure that we continue to tax excess profits. I greatly welcome the Government’s warm homes plan, a £13.2 billion commitment designed to improve home energy efficiency, tackle fuel poverty and reduce carbon emissions.

--- Later in debate ---

[Martin McCluskey]

The letters will be sent, I think, from today. Many of those households will already have received knocks on the door or possibly direct contact from scheme providers. We are clear that the system needs to remediate this in the first instance. The issue was caused by the system, and there are guarantees available through the schemes to ensure that they are remediated. If any Member is dealing with constituents whose audits are not getting done properly or who are having difficulty with the guarantee providers, I ask them please to come directly to me, because we need to know exactly what is happening as this action takes place.

Despite all the actions we are taking on ECO4, we still need to think about the future system. That is why we have committed to reforming the system and to accelerating that process. I can confirm that we are looking at the entire landscape of consumer protection, from how installers work in homes to where people turn for rapid action and enforcement if things go wrong. The Government are planning to consult on the specific proposals early in the new year, and are already working with industry and consumer protection experts to develop and stress-test plans, including through the retrofit system reform advisory panel, which was set up under my predecessor and began work in July.

As this is one of the most urgent challenges that the Government face in our mission to improve the lives of working people, my right hon. and learned Friend the Prime Minister gave me the clearest of instructions on my first day in the job: to reduce bills by making millions more homes warm, safe and fit for the 21st century. We face a number of challenges, as my hon. Friend the Member for Shipley alluded to. More than 80% of UK homes rely on gas for heating—among the highest percentages in the world, meaning that we are particularly exposed to crises or energy shocks, as we saw after the Russian invasion of Ukraine. Moreover, we have some of the oldest housing stock in Europe; more than a third of houses were built before the second world war, most with uninsulated walls, meaning that yet more money and fossil fuels are needed to heat them.

My hon. Friend mentioned a project in Saltaire, and I will be more than happy to visit. I have had good and constructive conversations with Members across the House regarding heritage retrofit. That is something we have to address in the new plan.

[Gareth Snell]

Stoke-on-Trent has some of the oldest housing stock in the country: brick-built terraces, single skinned and in some places still single glazed. A programme by the last Labour Government that made a real difference was the housing market renewal programme, which ran up until 2010 and then was unceremoniously guillotined by the incoming Tory Government. It was able to retrofit housing in a style that matched the local communities, but it was done with communities as part of a more progressive regeneration programme. It meant that houses were better looking and warmer, they lasted longer and residents wanted to live there. Why the Tory Government got rid of it I do not know, but it is something the Minister might want to look at for future ideas.

[Martin McCluskey]

I would be more than happy to look at that. I have been working to help develop the warm homes plan and am looking particularly at area-based approaches; one of the most effective is when entire communities and neighbourhoods are upgraded at once. The effect is much larger, and neighbours can see the impact on their bills, which helps to spread the benefit.

The warm homes plan will set out in more detail how we are going to meet the challenge addressed in this debate. We have been working hard behind the scenes to get it right and will publish it in full soon. We have been clear from the moment we came into government about the scale of the ambition. My hon. Friend mentioned £13.5 billion; after the Budget today that number is actually £15 billion, and we have extended our ambition to upgrade 5 million homes.

As a student of history, I think of the first Labour Government in the 1920s with their housing Act—the Housing (Financial Provisions) Act 1924—which upgraded and subsidised half a million homes. What we are trying to do with the warm homes plan is 10 times that. That is the level of ambition we have. It means entire streets and whole neighbourhoods benefiting from solar panels, heat pumps, home batteries and better insulation. We have already kick-started that. We are not waiting for the plan to get on with delivery. We have allocated £1.8 billion through the warm homes local grant and warm homes social housing fund. We have set out proposals to increase minimum energy efficiency standards in the private rented sector in England and Wales to EPC C or equivalent by 2030 and introduced a minimum standard in the social rented sector, which is incredibly important for many of our constituents. Those measures, combined, will lift hundreds of thousands of households out of poverty.

For homeowners, we are making it cheaper and easier to install a heat pump. To the point made by the hon. Member for Strangford (Jim Shannon), we announced the extension of the boiler upgrade scheme to new technologies last week, and we have an ongoing consultation on alternative technologies. We have doubled the funding for the boiler upgrade scheme to £295 million this year and, because of decisions made by my right hon. Friend the Chancellor in the Budget, we will be increasing it year on year up to 2030. Just this month, as I said, the expansion has meant that we are able to extend the scheme to air-to-air heat pumps, a technology that I know many of our constituents were calling on the Government to make a change on last summer.

While we deliver the plan, we know there has to be short-term as well as longer-term action. That is why we have expanded the warm homes discount this year to every household where the billpayer is on a means-tested benefit. That is £150-worth of support directly to billpayers this winter. My hon. Friend the Member for Stoke-on-Trent Central (Gareth Snell) mentioned Beat the Cold; I met Fiona Miller yesterday and had a very good conversation with her about the work she is doing on data sharing between the NHS and her organisation. That is something I want to look at, and I am keen to visit Stoke-on-Trent Central to see in person the work that Beat the Cold is doing.

All those action that are taking place are good in the short term, but how do we tackle the cost of living and bring energy bills down for good? In the long term, we do that by pushing for our target of clean power by 2030: clean power generated in Britain, which we control and which will end the rollercoaster of energy bills that, bluntly, are at the moment decided by dictators and upheavals beyond our borders. We do that by upgrading homes with electrified, energy-efficient technologies, putting people in a position to benefit directly from clean, secure, affordable energy.

My immediate focus remains on some of the issues that we have heard about today, and on the people across the country living in homes that they can barely afford to heat. As we enter another winter, people should not have to choose between heating and eating. A large part of the reason the Chancellor took the action that she took in today’s Budget is that she wants to stop people having to make those incredibly difficult choices. When we publish it, the warm homes plan will set out our path to a future that we all want to see. We want warmer homes, no matter where we live or whether we rent or own—homes that are smarter, cheaper to run and greener, and are protected by a system that keeps them free of damp, mould and other issues. I welcome this debate, and I again congratulate my hon. Friend the Member for Shipley.

Question put and agreed to.