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Hot water systems also generate heat, with tanks and pipes working like radiators that are on even in the hottest days.
Insulating pipes can help.
In one hot home previously visited by the BBC, a long stretch of uninsulated pipes in a corridor wall seemed to give off as much heat as a large conventional radiator.
Mr Palmer uses a heat pump to warm water to 42C, which, although cooler than usual, is warm enough for a shower and doesn't heat the house so much.
Cool moves
Heat pumps can be thought of as two-way fridges.
They cool a house by moving heat from the inside air outside, and can also warm a home by bringing heat in from the outside.
They are energy-efficient, although there are concerns that the refrigerants some contain are strong greenhouse gasses if they leak. However, the use of these gasses is being reduced.
A UK start-up called Ventive is putting heat pumps, mechanical ventilation and hot water together in a single box.
Its system is being piloted by Nottingham City Council as one element in efforts to make existing housing stock more energy-efficient.
To help make hot water, a heat pump takes heat from the air and transfers it to the water, Ventive's box uses that process to also provide cool air inside.
"Currently we are heating the water and cooling the air separately wasting the energy at both ends. Combining the two would improve efficiencies by over 50%," writes Tom Lipinski, Ventive's founder and technical director.
The box also contains a phase-change material, similar in principle to a big block of ice, that can act as a "heat battery" - storing heat as it melts and warms, and giving off heat as it cools and freezes.
It adds to the capacity of the system to drain heat during the day, and then release it outside into the cold night air.
And it contains an electrical battery, which means the heat and electricity can be stored when it's most efficient to do so, and be released when needed.