The house isn’t draughty so I assume the windows are ok. What we do have is one of those motorised ventilation systems and that blows air from the loft space down onto the upstairs landing, which makes it bloody freezing in the winter.I was going down the solid wall insulation route as I have done a fair bit, not a clue about the cost though as I was just the monkey drilling a million holes, its very effective though
At 9 years old I would hope they are A rated windows unless the PO was a real cheapskate but its worth checking that they are properly sealed both to the brick and in regards to the rubbers in the opening parts
Spray insulation to the underside of the roof tiles/slates is effective, quick and cheap but extra insulation up there in whatever form will help
I’m wondering if we can have some form of solid wall insulation. It’ll be eye-watering expensive though because of the size of the house and the exposed walls.