18 Nov 2025

Keeping your house warm in winter

Rising energy costs over recent years have made millions of Britons rethink how we heat and maintain our homes. While prices have begun to stabilise in 2025, keeping a house warm efficiently – without overspending – remains a top priority for many households. In this guide, we look at small tweaks and bigger home improvements that can help you stay cosy and cut your energy bills this winter.

Lady keeping warm at home near the log fire

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Tips to keep your house warm in winter

Homes come in all shapes and sizes, and while modern homes are generally energy efficient, the same can’t always be said for period properties in the UK. Here are some tips for how to keep even a poorly insulated house warm.

 

Seal off spaces.

Too much air seeping out your home can make life chilly (though poor air circulation can lead to problems like mould). To retain more heat, you could place a draught excluder at the bottom of your doors, and use expanding foam to seal the cracks around your window frames. If you have a fireplace, make sure the damper is closed when the fireplace is not in use.

How to heat your home in winter - cover draughts
How to heat your home in winter - bleed your radiators

Bleed your radiators.

Bleeding radiators is less grisly than it sounds – it means releasing trapped air which prevents hot water from rising. You can use a radiator bleed key to release the air and keep your radiators energy efficient.

 

 

Use thicker curtains.

As a general rule, thicker curtains – which sometimes have an extra lining – are better at retaining heat in the home. And don’t forget to close the curtains at night time (or when you’re out) to keep the home warm.

How to heat your home in winter - curtains
How to heat your home in winter - pipe insulation

Get some pipe insulation.

One innovative way of keeping your home energy efficient is to fit some pipe lagging. This helps to insulate your central heating pipework in spaces like your loft.

 

 

Make use of rugs.

Runners and rugs are a great way to furnish a home, but they’re also a useful winter warmer that are soft underfoot and insulate your home from cold floors.

How to heat your home in winter - use rugs

Why keeping warm matters in the winter

Cold weather isn’t just uncomfortable – it presents a health risk to older people, including those with long-term pre-existing conditions and people with disabilities. If you’re unable to stay warm, you’re at greater risk of a number of health issues in winter: 

  • Short-term ailments like colds and the flu
  • Serious health issues like heart attacks, strokes and pneumonia
  • Mental health challenges like depression. 

With all this in mind, it’s more vital than ever that we take better care of ourselves during the colder months, and our winter health tips look at preventative measures you can take – from figuring out how to stay warm this winter to overcoming feelings of isolation and boosting your immune system. 


Other ways to keep warm in the winter

Keeping warm is not just about making changes to your home. You can lose heat from any part of your body that is exposed, so wearing a hat, slippers, thermals, jumpers and robes can help you stay warm around the house. Dressing in materials like wool and cotton can help you keep the colder temperatures at bay.

What’s more, staying active (both indoors and outdoors) increases your blood flow, while your muscles create heat energy. Read our guide on the ways to keep fit at home.


How to save on your energy bills in the home

It’s one thing to learn how to keep your house warm in the winter, and another to make energy efficient savings all year round. Below, we cover some of the best ways to save on your energy bills – whatever the weather.

  • Install a smart meter. Knowing how to save on energy bills isn’t just about guesswork. A smart energy meter can show you which appliances you use the most, helping you figure out how to cut down your usage. You can request a smart meter installation through Smart Energy GB.
  • Reduce your shower time. Difficult as it might be to leave that hot shower on a cold winter’s day, shaving a minute or more from your shower time each morning could save you hundreds a year in energy and water bills. You could also consider installing a water saving shower head to reduce the flow of water.
  • Turn down the thermostat. It might sound obvious, but keeping the thermostat down can help you save money on energy bills. The World Health Organisation recommends temperatures of 18 degrees Celsius (for healthy, well-dressed adults) and 20 degrees (for children, older people and those who are unwell) whether you’re awake or asleep.
  • Change how you wash clothes. Washing machines are energy-intensive, so doing a less frequent clothes wash – and filling the drum – could save you money. You could also shave money off your energy bills by washing at colder temperatures.
  • Switch off your devices. According to the Energy Saving Trust, the average UK household could save around £45 a year by turning off appliances rather than leaving them on standby. Remembering to turn off those devices and save some money by turning off all your Christmas lights is a small but useful recommendation in terms of how to save energy in homes.

If you're of pension age or claim certain means-tested benefits, fortunately there is some support that you may qualify for if you're worried about keeping warm this winter. 

Warm Home Discount scheme


Under the government's Warm Home Discount scheme, you could get a one-off £150 discount on your electricity bill for winter 2025-26. To be eligible, you must claim the Guarantee Credit element of Pension Credit or be on a low income. 

You’ll get a letter between late October 2025 and early January 2026 if:

  • you’re eligible for the scheme
  • you might be eligible for the scheme, but you need to give more information

There may also be other helpful payment schemes you may be eligible for so it would be worthwhile checking this at GOV.UK.

Winter Fuel Payment


If you were born before 22 September 1959 you could get between £100 and £300 to help you pay your heating bills for winter 2025 to 2026. This is known as a ‘Winter Fuel Payment’.

Most people get the Winter Fuel Payment automatically. If you’re eligible, you’ll get a letter in October or November saying how much you’ll get. Most eligible people will get the payment in November or December 2025.

For more information and to check your eligibility visit GOV.UK.

How to make your home more energy efficient

For more information, GOV.UK publishes online guidance for how to make energy efficient home improvements.

What is an EPC rating?

An Energy Performance Certificate (EPC) is a summary of a home’s energy efficiency. The EPC gives someone who’s looking to buy or rent a home the opportunity to assess how energy efficient the property is. All homes (and commercial buildings) in the UK must have an EPC – which you must renew every ten years – with a few exceptions such as listed buildings that are unsuitable for upgrades.

How to heat your home in winter - EPC rating


What is a good EPC rating and how can you improve yours?

The most energy efficient properties have an EPC rating of ‘A’. A typical EPC rating for a home in the UK is band ‘D’.

Energy efficient home improvements can be a smart investment both in terms of saving you money and helping the environment. Here are just some of the ways you can invest to improve your EPC rating:

  • Insulation – from your loft space to your internal (and external) walls, and under the floorboards.
  • Replacing an old boiler with a new energy efficient one.
  • Upgrading to low energy lighting.

For more inspiration, the Energy Saving Trust offers more ideas on how to improve an EPC rating.

Looking after yourself in winter

It's not just our homes we should be looking after, but our wellbeing too. There are many things we can do to keep our minds healthy this winter:

  • Expose yourself to natural light by sitting near a window and getting outside as often as you can
  • Declutter with an autumn clean-up and feel instantly better, more organised and in control
  • Make your home feel cosy with candles, blankets, big jumpers, favourite hot drinks, and books
  • Practice Hygge – feeling cosy and content – by living in the moment and appreciating the little things
  • Learn a craft that will keep you occupied during the wintry weather.
Rebecca Brace

Rebecca Brace

Insurance Content Specialist, L&G Retail, Insurance

Rebecca’s a digital content manager, focusing on protection. She makes sure that our customers can find all the content they need at every stage of their insurance journeys, either on our website or via a search engine. She also helps develop the content itself, working with other internal teams to ensure that it’s both accurate and complies with all relevant regulations.

More about Rebecca

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