Hi Adam, it gets really cold up here in north west of england, but despite this i have 2 bannana plants, cordylines, treefern, trachycarpus, phormuimsginger lillies, pineapple lillies, etc the trees i wrap with fleece & the rest of it just gets a thick layer of farmyard manure to keep it warm. I have done this for the last 8 yrs now and have some really huge specimens to show for it.