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Insulation · 7 min read

Loft and rafter insulation in 2026: which product actually fits your job?

Three real choices — multifoil, PIR and mineral wool — and very different outcomes depending on whether you're insulating an open loft, a rafter line, or a room-in-roof. Here's how to pick, with 2026 fitted costs.

Sean Crisell, Founder & SurveyorUpdated 1 May 2026

Multifoil, PIR and mineral wool are genuinely different products built for different jobs. Used in the right application, each one delivers. Used in the wrong one, you can easily spend 40% more than you needed to, or lose 150mm of precious headroom for nothing. This is the straight walk-through our surveyors use on site for a loft or sloping rafter.

The three products, side by side

PropertyMultifoil (Actis Hybris)PIR (Celotex GA4000)Mineral wool (Knauf Earthwool)
Thermal conductivity (λ)0.034 W/mK equiv0.022 W/mK0.040 W/mK
Thickness for U=0.18 W/m²K~110mm with air gaps~120mm~270mm
Cost per m² (material)£32 - £40£18 - £24£8 - £14
Cost per m² (installed)£60 - £80£40 - £55£25 - £40
Vapour permeable?No (foil layer)NoYes
Fire ratingClass B s2 d0Class E (combustible)Class A1 (non-combustible)
Install difficultyMedium (air gaps critical)Easy (cut and friction-fit)Easy (roll out)
Best forRoom-in-roof, headroom-tight spacesNew-build rafters, loft conversionsOpen lofts, ceilings

Open loft (over the joists)

Mineral wool wins, no contest. 100mm between the joists, 170mm cross-laid over the top, U-value 0.16 W/m²K, total cost £700–£1,200 for a 3-bed semi — fully ECO4-funded if you qualify. PIR is wasteful here: you'd be paying for headroom you don't need to save. Multifoil is an unnecessary step up when you've got full unobstructed loft space to work with.

Loft conversion — up the rafter line

PIR usually wins here. With 150mm rafters you can hit U=0.15 W/m²K using 130mm of PIR plus a 15mm insulated plasterboard finish, leaving a 20mm air gap above for ventilation. Multifoil works too, but needs more space for the air gaps and tends to cost ~30% more per m². The exception: if your rafter depth is already locked at 100mm or less (common in 1970s conversions), multifoil is the only product that will meet regs without ripping the roof off.

Room-in-roof retrofit

Multifoil wins, often by a long way. Room-in-roof retrofit — insulating the slopes, dwarf walls and ceiling of an already-converted loft without ripping out the plasterboard — is the exact application multifoil was designed for. PIR can't fit in the typical 50–75mm of available rafter depth without losing 100mm+ of headroom. Mineral wool won't fit at all. ECO4 routinely covers the £1,800–£2,800 install cost for eligible households.

Walls and floors — quick guidance

  • Cavity wall — none of these three. Use foam beads (EPS) or blown mineral fibre.
  • Solid wall internal — PIR-backed plasterboard wins.
  • Solid wall external — typically EPS or mineral wool render system.
  • Suspended timber floor — mineral wool or sheep wool wins on cost and breathability.
  • Solid concrete floor — PIR boards under a screed.

Worked example: 3-bed semi room-in-roof

SolutionAchieves U=0.18?Cost installedHeadroom lost
Multifoil 60mm + 25mm air gapsYes£2,300110mm
PIR 100mmYes£2,750120mm
Mineral wool 270mmYes — but won’t physically fit in the rafter depthN/A in this applicationN/A

Arrange a free survey that recommends the right product for your specific space — not the one with the highest margin. Book online or ring 0800 229 4094. One of our own surveyors spends 45 minutes on site and you will have a fixed written quote within 48 hours. We will tell you honestly if it isn't the right fix.

Want to find out how much you could save?

Book a free 45-minute survey. We’ll check every active grant, measure every wall, and write you a plan. Yours to keep whether you book or not.

The plan is yours to keep. Take it to two other installers if you like.

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