Telegraph: Ed Miliband, the Energy and Climate Change Secretary, will announce a package of measures today to make Britain’s homes “greener and warmer”. A key element will be the Pay as You Save or PAYS scheme which provides “green home loans” of up to £10,000 through supermarkets, DIY chains or local authorities but allows the homeowner to pay back the cost over time as savings are made on energy bills. For example, a home owner can insulate the loft or have solar panels installed and pay the …