This link has info about the costs and savings etc involved with insulating your loft in the UK.
If you follow this link, you'll find a surprising number of grants available for this and other energy saving installations. For instance, did you know Tesco could do your loft for just £198 (you don't have to be on benefits)? A substantial saving. Same goes for cavity wall.
On the subject of how to get 270 mm of insulation and still be able put floorboards over it, the answer is embarassingly obvious: Fix wooden joists at right-angles to the existing ones to support the floor whilst giving sufficient depth.
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