As you are in business, you will understand that if you borrow the money at a decent rate and what you spend it on earns you more than the repayments then it is a win win situation.
PV will do this for you, IE 10% return borrow at 4%, that leaves you 6% to pay of the capital, FIT is index linked, and there is only one way energy prices are going, so if the sums add up in year one then they will only improve for you year on year.

Due to your outlined circumstances get the largest system that money/space/ and the DNO(people that own the grid) will allow.

As to the heating, have you looked at Airsource heatpumps? Installed and designed correctly they do work really well, thermodynamics are still an unknown, most of the industry is skeptical about there performance claims, but there again there are many that say that ground/airsource heatpumps do not work, which I can assure you is totally incorrect, I have seen many that have been running for long periods now and are out performing anything else in the market place, they have not all been without their initial problems though, but were install/design faults.

You do have to invest to save, if the government back their Greendeal scheme, (pay the loan off with the savings even with rates as high as 7-10%, you can certainly do it better yourself with the correct advice.

I hope this helps.
 
Very nice area I know it well, I've worked in cofton too, there's a small wholesaler and contractors called ALP I think, one of our main competition on a particular national contract but I don't mind as they are good lads!!
 
We put an offer in on a house on cofton church lane. Ended up here instead.
I really would like some options on the way forward where our energy bills are significantly reduced. The kids are going to be here for another 7 years before we pack them off to uni. So that's a warm house for 4 for that long.

If energy bills are going to rise as we're hearing in the news then I want to reduce the current energy bill by a significant amount. Like 80%?

How much would it cost us to do that?
 
I've spoken with nPower and our bills are £4.50 - £5 a day for electricity and £12 - £13 a day for gas.
*Got* to bring these bills down. The gas bill is the one of most concern, obviously.
 
If you have a decent PV system, you could use the FIT's to go towards your gas bill, therefore reducing your "energy outgoings", haven't re-read the whole post, but insulate, insulate, insulate, if you are not letting the heat out, then you will need to put less in, or buy everyone a woolly jumper for Christmas and turn the heating down a bit...
 
Are there organisations who visit to assess the insulation in your house? Is there a grant to improve it?
[Edit: found it - Home ]
 
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You could have a tank fitted and have an Immersun, you may want to upgrade to a mor efficient boiler too
we can put together a plan throughout your house to make considerable savings oh we are gas safe registered too
 
Are there organisations who visit to assess the insulation in your house? Is there a grant to improve it?
[Edit: found it - Home ]

We can do you a green deal assessment also and see if you qualify for some Eco funding you may get your boiler done free
 
We can do you a green deal assessment also and see if you qualify for some Eco funding you may get your boiler done free
Well we could get a loan no problem, so I think that would be preferable to getting the 7% green deal.
But we need to replace both of the old Mexico boilers and that's a £5k+ expense. If we can get that paid for for free, that would be astonishingly good news.
 
On my house we have 12 panels with 2.5kw system and my electric bill gone down by 30%. Our direct debit was £65 and we have reduced it to £52 and if we have a good summer this year we should be £50 to £100 in credit. Basically the last 2 price increase last have been absorbed and the cost per month has gone down by £15.

If I had paid for the system in full we would have got £1263.77 generated 2703.249kw from the feed in tariff last year but we did not have the funds to pay for it, we went with homesun so they get that money

Because we have paid our mortgage off I didn’t want to take out a secured home just to pay for solar panels and I don’t like the idea of the green deal at 7% and I don’t think it can save me anymore money.

We are on oil and have a boilermate 2000 it save money because it heat up the water while we are using it The boilermate has an emergency switch which allow us to run the heating or water or both on electric so I was thinking of turn off my oil boiler in the summer switch the boilermate to emergency to hot water on a bright summers day to see if we could save on our oil bill. We had a Bosch Worcester Greenstar wall mounted 18/25 boiler fitted 18 months ago and use 1000 litres of oil every 10 months but I want it to last 12 months.

If you want to save more money on your electric bill switch to Economy 10
 

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