A Systems Approach to Thermal Bridging for a Net Zero Housing Retrofit: United Kingdom’s Perspective

The United Kingdom’s (UK) retrofit revolution is at a crossroads and the efficacy of retrofit interventions is not solely a function of insulation thickness. To truly slash emissions and lift households out of fuel poverty, we must solve the persistent problem of thermal bridging (TB), i.e., the hidden flaws that cause heat to escape, dampness to form, and well-intentioned retrofits to fail. This review moves beyond basic principles to spotlight the emerging tools and transformative strategies to make a difference. We explore the role of advanced modelling techniques, including finite element analysis (FEA), in pinpointing thermal and moisture-related risks, and how emerging materials like vacuum-insulated panels (VIPs) offer high-performance solutions in tight spaces. Crucially, we demonstrate how an integrated fabric-first approach, guided by standards like PAS 2035, is essential to manage moisture, ensure durability, and deliver the comfortable, low-energy homes the UK desperately needs. Therefore, achieving net-zero targets is critically dependent on the systematic upgrade of the building envelope, with the mitigation of TB representing a fundamental prerequisite. The EnerPHit approach applies a rigorous fabric-first methodology to eliminate TB and significantly reduce the building’s overall heat demand. This reduction enables the use of a compact heating system that can be efficiently powered by renewable energy sources, such as solar photovoltaic (PV). Moreover, this review employs a systematic literature synthesis to critically evaluate the integration of TB mitigation within the PAS 2035 framework, identifying key technical interdependencies and research gaps in whole-house retrofit methodology. This article provides a comprehensive review of established FEA modelling methodologies, rather than presenting results from original simulations.