An early 70's house (detached?) will have almost no effective insulation at all, except perhaps a thin layer of loft insulation. It may have had replacement DG during its lifetime, and some more loft insulation, but it will be the heatloss through the walls and (?solid) ground floor that is the issue.
A combination of cavity wall insulation (to stop air movement inside the cavity) as well as external wall insulation is probably the thing to spend your money on. The original house will have a cavity that is only 50mm or 65mm, so filling that will only offer marginal improvement (unless there is significant air movement through the cavity). In Scotland there is the issue of driving rain, so cavity insulation on its own might have unexpected downsides. Adding external wall insulation as well will add a new external rain skin because of the extra render.
That leaves the (?solid) ground floor which might be fixable but that involves digging out the screed and replacing with PIR between battens screwed into the slab and a new timber floor. If the screed has sufficient depth then you might be able to consider underfloor heating but this is highly disruptive and costly, unless you can diy it. External wall insulation would only need outside pipework to be relocated.