Hi. We are in the process of buying an unfinished house. Not much left to finish - flooring and heating system. However it appears that house insulation is fairly poor. We did pyrite testing today and the guys discovered that there is no insulation in the concrete at all i.e. there is about 9 inches concrete and infill underneath - nothing in between. How bad is it? Is this house a loss cause with such foundation? Anything we can do now, for example put insulation on top of concrete and then flooring? I assume this will reduce the ceiling high somewhat. On top of that the house is built of concrete blocks (possibly hollow?) and there is only 40 mm styro foam insulation and standard plaster board. I believe this is also below current requirements (of 100mm) so any opinion on how bad this insulation is is welcome. We don't really have a budget for external insulation. Will it be a very cold house then that would be impossible to keep heat in?