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The loft is partially borded now and I want to board all of it so I think I'll need to add some joists going across the existing beams with space for the insulation underneath and I'm not sure what to do about the electrics that come through the ceiling. It's feeling a little beyond my skill level but we need the cash for other work.
The gory details from our level 3 survey:
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Something to be aware of is that putting insulation against electrical cabling can take it out of spec - cables have a higher current rating in free air than they do wrapped up all warm and fluffy.
If there's enough slack, I'd try and lift the cables above the insulation (I'm not qualified to give this advice)
You can. Get the stuff in rolls and lay it out over the 'floor' in the roof space. Probably the easiest, cheapest and least risky bit of home insulation you can DIY. If the synthetic stuff like Rockwool is selling out, consider going to your local farmer and offering to take away a load of wool for free. The moths will have a field day but it'll last the winter.