The main thing is to get it insulated asap Glen. You are losing a lot of heat, i.e., money without it. Insulation is heavily subsidised at the moment and never been cheaper, meaning insulating your loft can be done in double figures now instead of treble. Go 200mm initially, then top up with 100. I did a loft in 2 cross layers of 170. Aiming for around 300 is ideal as darren says.
I work in a DIY store and have watched people descend on us in the last few weeks and buy loft insulation and poly veneer for walls etc. It's a shame people wait until now before realising they need to act to keep the warm in and bills down - and it's easy and cheap to do.