Why bills hit harder as you get older

Many homes, especially older homes, just weren’t built with energy efficiency in mind. Common problems include:

• Draughts and poor insulation that let heat escape.

• Single glazing or older boilers that use excess energy.

• Large, hard-to-heat spaces that are rarely used.

Add to that the reality of a fixed or limited income, and rising bills can quickly turn from an inconvenience into a real concern.

The real cost of staying put

It may seem easier to “make do,” but staying in a home that drains money often turns out to be a false economy.

• High bills don’t just affect your bank balance, they can chip away at peace of mind.

• Cold or damp homes can impact health, particularly as you get older.

• Ongoing maintenance on older properties adds extra financial pressure.

In short, waiting until winter to take action can cost more, both financially and emotionally, than exploring a home that truly works for you.

Practical steps to start now

Even before the temperatures drop, there are things you can do:

• Check for government grants or schemes for insulation and energy-efficient upgrades.

• Book an energy performance check to identify any heat loss.

• Review your energy tariff and budget to ensure you’re on the best deal.

For many, the most transformative change comes from the home itself. Moving to a smaller, warmer, and more efficient property can significantly lower bills and improve comfort.

Options for a warmer, easier-to-manage home

Moving can feel daunting, but it doesn’t have to be. Homewise works with a network of trusted estate agents to help you find homes that are modern, efficient, and easier to run.

Our expert team conducts extensive property searches and guides you through every option - whether that’s a cosy apartment, a manageable bungalow, or something unique. We only recommend homes that will suit your needs now and for years to come.

With Homewise and our partners, you’re never left to figure it out alone -  you’ll have choice, guidance, and confidence.

How the Home for Life Plan fits

Affordability is often the biggest concern. Many people assume a better home is out of reach, but that’s where the Home for Life Plan can make all the difference.

With this unique plan, you pay a one-off amount for the home you choose and enjoy the security of living there for life. No rent, no mortgage, no risk of being asked to leave. It could be the key to unlocking a modern, efficient property — even if you thought your budget was limited.

Have you considered new build homes or retirement apartments?

If moving feels like the right step, there are more options out there than you might expect. Today’s modern homes are designed to be easier to manage, cheaper to run, and far more comfortable all year round.

• Retirement communities – Developments like those from  Churchill Living offer modern, energy-efficient apartments with the added bonus of social connection and like-minded neighbours close by.

• Brand-new houses or bungalows – With smart design and lower running costs, new builds offer independence and comfort without the stress of high bills.

The key is choice - and with Homewise, you’ll have guidance every step of the way to explore your options and find a home that truly suits you, today and for the years ahead.

Now is the perfect time to get ahead of the colder months. You don’t have to wait until winter arrives to take control of your comfort and costs. The right home can help you reduce bills, ease worries, and enjoy a better quality of life.

Curious about what could be possible for you? Use our Quick Calculator to explore how the Home for Life Plan might expand your budget and open up new options - before the chill of winter sets in.