Over in EU land ( Germany) I'm looking at 25k to carry out the simplest of system changes ( oil out and Electrical in) minimum..
all assistance packages are focused around giving interest free/ very low, loans to finance the improvement etc, but ultimately the burden stays with the home owner..
I'm not 100% familiar with the hi-Cop system, but as long as the building isn't built with Passive house requirements then I would think your chasing your tail regarding meeting any established Kv targets.
over the last 10 years+ in Germany ( i can only speak from my experience with friends feedback) lots of houses where covered in Styrofoam type cladding, inside and out depending on size location etc, and serious issues have arisen with mould and damp, due to the house air circulation being reduced and also made worse with current triple glazing etc.
to properly uprate my homes heat rating index, I would have to carry out a full renovation, starting in the cellar and ending with the roof.. already the German government has banned the use of certain wood burners/ combi fires... just pricing up a new wood burner for my home and ill be looking at anything from 3-6k for the unit.. and that's without a water jacket..
my thought's are its a scam to break the dependency on Oil and Gas from Russia and other countries whose GDP is wholly fixed to the Petro dollar /local equivalent.. but what do I know ..