If you want wooden floors, I'd recommend getting insulation made from recycled polystyrene put in under the floors (most houses have underfloor access that the fitters can get under to fit something like that) Depends on where you're moving to but Trash Palace (recycling centre) in Porirua has a company that does it in the Welly region & it works out much better value than getting in someone to fit non-recycled insulation. A friend of ours fitted it recently in an old house with beautiful wooden flooring & when she came home from work she was running around looking to see which heater she'd left turned on - she then realised the insulation was doing its job & no heaters were on!!