Home Insulation

Afzal Khan Excerpts

Wednesday 26th November 2025 Westminster Hall

[Anna Dixon]

It is vital that people in all types of tenure and even low-income households—indeed, everybody—can access modifications that could save them money on their bills.

Poor-quality housing particularly traps households in fuel poverty, because people need to spend a fortune to keep warm. Data from Friends of the Earth shows that there are 17 energy crisis hotspots in my own constituency. These are neighbourhoods that have below-average household income but above-average energy bills.

In Shipley, we also have a higher than average proportion of homes that are non-decent, which means they do not meet the standards for a warm and dry home. Indeed, 64% of homes in Shipley have an energy performance certificate rating of D or below. As a result of the extortionate cost of energy, the unnecessary additional high usage due to poor insulation and the flatlining of living standards under the previous Government, energy debt is soaring. Millions of households across the UK now have a combined energy debt of over £4 billion.

To help people to deal with this situation, fantastic organisations such as Christians Against Poverty work to tackle poverty. In Shipley, CAP provides a debt advice service. Across the country, this service has helped more than 20,000 people to become debt-free since 2010. We also have local food banks that offer fuel vouchers to those on pre-payment meters who cannot afford top-ups. However, energy companies must also act to support those people who have large unpaid debts, by bringing in programmes such as social tariffs and other forms of fair pricing to help those living in fuel poverty.

Poor-quality housing not only harms people’s finances; it also has a severe impact on their health.

[Afzal Khan (Manchester Rusholme) (Lab)]

It is well known that cold and damp homes are detrimental to both physical and mental health, with nearly three in every 10 children in cold homes at risk of developing health issues. Does she agree that home insulation is vital to improve public health alongside tackling fuel poverty?

[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.