The proposals, which would see people pay back the loan through their council tax bill, were outlined in a report by the UK Green Building Council.
Paul King, chief executive of the council, said: "This innovative proposal would provide the finance to trigger a revolution in household refurbishment.
"Both government and opposition have voiced their support for the principles of a scheme like this what's needed is to get on with it."
The government is expected to start trialing the energy saving scheme in hundreds of houses around the UK soon.
Meanwhile, the Edinburgh Evening News' Gareth Edwards said that people should consider switching their energy provider now before energy firms start to put their prices up again.
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