Making a greener home will be easier for people buying houses in the UK under new government proposals.

The Greener Homes Strategy will signal a "green transformation" of British homes over the next decade, the Department of Energy & Climate Change (DECC) suggests.

Key points of the strategy include plans to insulate six million houses by the end of 2011, with all practical lofts and cavity walls to be insulated by 2015.

New legislation will allow "pay as you save" green loans to be tied to the property to allow homeowners to spread the cost of eco-upgrades, the DECC has announced.

"Making homes more energy efficient will help protect people from upward pressure on bills, tackle climate change, and make us less reliant on imported energy," said energy and climate secretary Ed Milliband.

The strategy aims to cut emissions from UK homes by 29 per cent by 2020, which could save homeowners an average of £380 a year on their energy bills.

In December the DECC pledged to cut energy bills in the public sector by at least ten per cent by 2013.