Loft insulation for flats in Kelso
Homes in Kelso get the same service as everywhere else we work in the Scottish Borders. For loft insulation for a flat, that means a free survey and a fixed written quote.
We cover postcodes including TD5, which fall under Scottish Borders council.

Where we work around Kelso
Kelso sits about 15 miles from Galashiels, measured in a straight line.
We work in neighbouring Galashiels too.
| Postcode districts | TD5 |
|---|---|
| Council area | Scottish Borders |
| County or area | Scottish Borders |
What is different about insulating a flat's loft?
In Scotland the roof space above a tenement or block is usually owned in common under the title deeds, so you need the agreement of the other owners, often arranged through the property factor. We can quote for one flat or the whole building, and work to the factor's access and insurance requirements. More about loft insulation for a flat.
- Single-flat or whole-block quotes
- Fire compartment walls left intact
- Photos and a completion note for the managing agent or factor
Why book with us in Kelso
Boarding done properly
Storage boards go on loft legs, never straight onto the insulation.
We measure before we quote
Existing depth, joist spacing, wiring and the tank are checked, not guessed.
Tank and pipes protected
Every insulation job includes a tank jacket and pipe lagging, so nothing freezes in a colder loft.
Fixed written price
The price on the quote is the price you pay. It only changes if you change the job, or if we find something hidden, such as rot, and you agree the change in writing first.
How much does loft insulation for a flat cost in Kelso?
Installing insulation in a home is zero-rated for VAT until 31 March 2027 and 5% after that, under HMRC's rules for energy-saving materials (notice 708/6).
Building standards in Scotland
In Scotland, insulating an existing loft does not normally need a building warrant, but the building standards still apply. How the rules work across the UK.
Rented homes
Scotland sets its own energy standards for rented homes, separate from England and Wales. Home Energy Scotland can explain what applies to your property.
Questions about loft insulation for a flat in Kelso
Is loft work in Kelso different from anywhere else?
The method is the same, but older terraces, cottages and newer estates each have their own quirks: lath ceilings, low pitches or trussed roofs. We plan for the loft we find.
Will I get a written quote for work in Kelso?
Yes. Every quote is in writing with the work, the price and what is included, so you can compare it properly.
Do you charge extra to travel to Kelso?
Not normally. Our guide prices include normal travel to Kelso. If an address needs a ferry or an unusually long journey, we tell you the cost before you book.
Can I insulate the roof space above my flat in Scotland?
Usually yes, with the agreement of the other owners. The roof space of a tenement or block is often owned in common under the title deeds, or managed under the Tenement Management Scheme, so check the deeds or ask your property factor.
Is there VAT on loft insulation in flats?
Flats are residential, so installing insulation is zero-rated until 31 March 2027.
