In research carried out by Legal & General as a part of its ongoing Changing Face of British Homes study, it was revealed that making greener changes to lifestyles is an evermore popular option for members of the public. The study showed that some 37 per cent of people have installed either draught-proofing or double glazing. Meanwhile, 25 per cent of respondents were shown to have fitted additional loft insulation.

For those consumers looking for an effective way to carry out eco-friendly improvements to their property, such as double-glazing and loft insulation, taking out a low-cost home loan may be useful.

The study also showed that just under three-quarters of Britons use low-energy light bulbs, with 23 per cent of respondents looking to recycle rain water. Making sure electrical appliances are not left on standby and making use of reusable shopping bags were also revealed to be popular eco-friendly lifestyle changes. Meanwhile, recycling rubbish was indicated as the most sought-after means in which people lead a greener lifestyle. Overall, 98 per cent of people claimed to be taking steps to improve their environmental efficiency.

However, it appears a significant number of Britons only want to make environmentally-friendly changes when it suits them, with more than half of those questioned said to be unhappy about being charged for waste removal services. An estimated 23 per cent are said to be irked at having to pay for plastic carrier bags at supermarkets and shops.

Commenting on the figures, Ruth Wilkins, head of communications for Legal & General's general insurance business, said: "While people are annoyed by the implementation of green initiatives the efforts being made to force residents to recycle more of their rubbish are beginning to pay off, with recycling rates jumping from seven per cent to 33 per cent in the past ten years. Legal & General's recent research would support these findings as the Changing Face of British Homes research shows that a large number of us are taking steps to become greener. Brits simply want to make their own decisions regarding how and when to be green."

Ms Wilkins went on to report that it is important for those homeowners thinking about carrying out major improvements to their property which are of an environmentally-friendly nature "to check their insurance cover to make sure they are covered under the terms of their policy".

For consumers wishing to renovate their house - and at the same time help take steps to save the environment - applying for a homeowner loan could be useful. In obtaining this kind of home loan it may be possible that the cost of installing eco-friendly improvements - such as cavity wall insulation, biomass heaters, draught proofing and solar heating panels - can be met quickly and affordably. Indeed borrowing for the purposes of financing home improvements could be rising in popularity after a recent Lloyds TSB study revealed a 19 per cent increase in loan applications for such purposes this month in comparison to August 2007.