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People may want to consider taking out a loan to pay for energy-efficient measures after it has been claimed that home heating bills can be reduced by some simple green actions.

Installing an energy-efficient boiler and lightbulbs, as well as insulating a property, can shave the pennies off rising household expenditure, says Jane Gatiss, PR manager for eaga and Warm Front, a governmental grant scheme.

Households which fit such lighting may find themselves pocketing an extra £10 a year per bulb, she claims.

"If you are eligible for the scheme you can benefit from things such as loft and cavity wall insulation, glass proofing and central heating systems," Ms Gatiss advises.

But for households who do not qualify for such a grant, secured loans could be one way to make green home improvements, which could end up in individuals saving money further down the line.

Such financial help may be required after National Energy Action revealed that between 2003 and 2007, electricity prices increased by about 60 per cent, while the cost of gas shot up by 90 per cent.