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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.

OMEGA Energy Solutions

If you've been trying to choose between multifoil, PIR and mineral wool for a loft or a sloping rafter — and coming away slightly baffled — it's because they're 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 page is the straight walk-through our surveyors use on site.

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

For a free survey that recommends the right product for your specific space — not the one we make the most margin on — book online or ring 0800 229 4094. One of our own surveyors spends 45 minutes on site and you'll have a fixed written quote inside 24 hours. No cost. No obligation. No pressure.

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