Blog/Central vs split heating: implications for renovation
Contractors

March 18, 2026

5 min read

Central vs split heating: implications for renovation

Between a single hydraulic network and room-by-room equipment, your clients mainly want comfort without a runaway bill. In renovation, the right choice turns on three very concrete points: the state of the building, actual usage patterns, and the ability to control zone by zone. By framing these criteria as early as the visit, you secure the quote and avoid bad surprises on site.

Contents

Understanding the difference between central and split heating

Two logics of comfort

Central heating produces heat at a single point (boiler, air/water heat pump) then distributes it via a network. In the hydraulic version, hot water feeds radiators, underfloor heating or fan coil units. In the air version, one unit heats the air and sends it into rooms via ducts. Split heating, on the other hand, heats room by room. This covers electric radiators, air/air splits (mono or multi-split) and stoves, effective for a heavily used living area, but less even without air circulation.

What changes in renovation

  • Network: creating or overhauling pipes, ducts, condensate drainage, electrical supply.
  • Space: outdoor unit, tank, plant room, network routing.
  • Work and timelines: central systems usually need more coordination, split systems install faster but multiply the equipment count.

Assessing the home before deciding: the diagnosis that avoids mistakes

Before choosing a heating system, start by looking at the envelope. Continuous insulation and good airtightness limit leaks. As a result, heat loss becomes predictable and the generator can be sized precisely, without oversizing that drives up the bill and wears out the equipment. Next, the building layout changes things. House or flat, single storey or multiple levels, open volumes, ceiling height, presence of a plant room, all of this influences network routing, unit placement and emitter balancing. Finally, real comfort comes from actual usage. Number of occupants, schedules, lightly heated rooms, closed bedrooms, remote work, day/night setpoints, and above all programming. A thorough diagnosis puts these parameters in black and white to avoid choosing "blind." The heat loss recorded during the visit comes out as a sizing note built to EN 12831-1.

Central heating in renovation: advantages, limits and when it makes the difference

Even comfort and hot water

In renovation, a well-designed central heating system delivers steady heat room by room and stable domestic hot water. A boiler (gas or biomass), air/water heat pump or geothermal heat pump can feed radiators or underfloor heating. The difference often comes down to the flow temperature the emitters require. The lower it is, the more efficiently a heat pump works. If the radiators are undersized, it's better to resize them than to push the unit harder.

A network that needs putting right

  • Replacing ageing pipes, correcting diameters and leaks.
  • System flush followed by hydraulic balancing to restore consistent flow rates.
  • Replacing radiators to target lower operating temperatures.

Points to watch

Outdoor unit noise, space for the tank and accessories, suitable flue work (especially with biomass), and regular maintenance. Without these safeguards, comfort drops and consumption climbs.

Split heating in renovation: fast installation and closer control

When it makes sense, and what it's really worth

Split heating (mono or multi-split) is often the right choice when you renovate in stages, on small floor areas, or for supplementary heating in a heavily used room. Installation is fast because the network is limited. And room-by-room control avoids heating the whole home for two hours of comfort. On a multi-split, the indoor units are positioned on the plan and the coverage rate is calculated room by room.

On performance, an air/air heat pump generally delivers more heat per kWh than an electric radiator. But in cold weather, available power drops and defrost cycles can cause fluctuations. Radiators remain steadier in feel, at the cost of higher consumption.

  • Acoustics and neighbours, especially for the outdoor unit.
  • Appearance and pipework routing on the facade.
  • Placement, condensate drainage, access for maintenance (filters, heat exchangers).

Costs, consumption and grants: think "work + usage" in 2026

Comparing budgets and targeting real performance

In 2026, compare a heating system as a full "package." There's the investment, but also maintenance, service life and replacement cost. For example, a heat pump requires periodic maintenance, and that needs to be budgeted for from the quote stage. On the funding side, what matters most is traceability. What a household can get depends on the property, on how it qualifies and on the work, plus solid evidence, including a detailed quote and invoice, from an installer holding the registration the measure calls for. To avoid file rejections, also anticipate the mistakes to avoid.

  • Controls and programming. A well-set thermostat avoids heating "blind."
  • Thermostatic valves and zoning. You heat the right rooms, at the right times, without overconsuming.

Choosing the right solution for your renovation jobs: a simple method

Decision tree and field scenarios

Start with a simple decision tree. Floor area and heated volume give the order of magnitude. Insulation (walls, roof, windows) and airtightness set the heat loss. Then look at the existing network. High-temperature radiators, underfloor heating, ducts. This determines the choice between a like-for-like boiler replacement, switching to a heat pump, or a partial renovation with controls and balancing. In occupied homes, favour solutions that install quickly and staged switchovers (hot water first, then heating). Also note the constraints: outdoor space, noise, electrical supply, condensate drainage, and expected comfort (stability, recovery time, room by room).

Tradesperson checklist

  • Sizing based on heat loss, not "per square metre."
  • Clear quote: assumptions, water regime, options, maintenance.
  • Trade coordination: electrical, hydraulic, ventilation.
  • Sign-offs: acceptance, schedule, handover report, usage instructions.

Key figures

€3,000–8,000

Cost of a new network

85–95%

Central distribution efficiency

Frequently asked questions

The Boiler Upgrade Scheme funds an air source heat pump or a biomass boiler on properties that meet its conditions, ECO4 can fund a heating package for an eligible household, and energy-saving materials installed in a home are currently zero-rated for VAT in Great Britain. The heat pump is the best supported route of the three, and biomass the narrowest, since it turns on the property being off the gas grid. Check eligibility (an installer registered for the measure, the measure signed off before the order) and point clients to the national home energy advice service to secure the file.

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Pierre-Louis Guhur

Pierre-Louis is CEO and co-founder of Argile. He holds a PhD in machine learning, written at Inria, and renovated a house with his own hands in 2017 before founding the company. On the blog he writes about what he implements in the software: the 3CL-DPE 2021 method, NF EN 12831 and building physics as a calculation engine has to handle them, assumption by assumption.

Further reading

Heat pump sizing note

Calculated to NF EN 12831-1

General information

Beneficiary

Mrs Margaret Hughes

Email

contact@argile.ai

Phone

+44 7700 900457

Works address

7 Rosewood Close, Sheffield

Air-to-water heat pump

Model

Alféa Extensa S. 10

Make

Atlantic

Rated output

10 kW

ηs at 35 °C / 55 °C

195 % / 154 %

COP

3,5

Controller

Classe VI

EPREL no.

2491075

Heat loss of the home

6,0 kW

Output at the design temperature

5,80 kW

3,59 kW

7,78 kW

0 %

60 %

130 %

Coverage of the demand

Equipment output / heat loss of the home

97 %

Sizing of the appliance

Roofs

Transmittance W/m².K

1,8

Area

65,2

Heat loss W/K

135,0

Floors

Transmittance W/m².K

0,6

Area

63,0

Heat loss W/K

15,6

Thermal bridges

Conductivity W/K/m

0,4

Lengths m

33,4

Heat loss W/K

12,5

Façades

Transmittance W/m².K

0,9

Area

162,4

Heat loss W/K

151,4

Openings

Transmittance W/m².K

1,2

Area

5,5

Heat loss W/K

10,9

Air renewal

Air change rate h⁻¹

0,8

Heat loss W/K

102,3

Temperature difference

Outdoor design temperature

-7 °C

Heat pump cut-off temperature

5 °C

Indoor set temperature

19 °C

DeltaT

14,0 °C

Construction coefficient

Volume (area × ceiling height)

378,0 m³

Equivalent G value

1,13 W/m³/K

With argile

The compliant sizing report, generated automatically

Compliant with EN 12831-1 and built from the data collected during the site visit, the sizing report comes out of the flow with no extra work, ready for the customer's file.

Camille Martin

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Renovation plan

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Air-to-air heat pump and solar PV

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Air-to-air heat pump installation

Back

Air-to-air heat pump installation

Save this job

Home information

The works

3

Choosing the equipment

4

Works projections

Next step

Output required in winter

5,2 kW

Output in summer

4,1 kW

Details

Volume

163 m³

Winter design temp.

−7 °C

Summer design temp.

32 °C

Equipment

Switch to a kit

1 outdoor unit

Daikin

4MXM68A

Default

Output

6,8 kW

COP

4,10

SEER (cooling)

8,50

SCOP (heating)

4,60

Splits

4

Winter coverage

103%

Summer coverage

108%

Price excl. VAT

2 340 €

VAT

5,5 %

Price incl. VAT

2 468,70 €

4 indoor units

Daikin

FTXM25R

Located in the

Living room

Output

2,5 kW

Winter coverage

104%

Summer coverage

109%

Daikin

FTXM20R

Located in the

Home office

Output

2,0 kW

Winter coverage

101%

Summer coverage

106%

Daikin

FTXM20R

Located in the

Main bedroom

Output

2,0 kW

Winter coverage

98%

Summer coverage

104%

Add a unit

Labour

1 200,00 € TTC

1 item selected

Commissioning the air-to-air heat pump

Add labour

Accessories

486,30 € TTC

3 accessories selected

Wall bracket

Refrigerant line set

Power cable

Add an accessory

With argile

Size your air-to-air heat pumps room by room

Indoor units placed on the floor plan, coverage rate calculated for every room, equipment picked from up-to-date catalogues: Argile industrialises your reversible air conditioning projects.

ContractorsMarch 19, 2026
Switching from split heating to central heating: when it pays off

Between a single system and room-by-room equipment, the question isn't the technology, it's the right project scenario. As a tradesperson, you save time when you know where the real costs hide — network to build, maintenance, controls, and above all how the home is actually used. The idea is to choose the solution that holds up over time, not just on the quote.

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