There is an insulation programme going on - well in auckland any how so maybe the rest of the country. If your house was built before '77 you might qualify for insulation. It's roof, floor and hot h2o cylinder rap. Phone number is 0800 326 966 eco man. You could try looking it up on the web too as I'm sure I found a link to it. Suspect you might need letters from your GP about D but could be worth a shot for free insulation.