I have very similar problems RossKo. I wake up and the last thing I feel like is doing a warm up. Also like you there are also others in the house so it makes it hard as you do not want to wake them.
Yet this is a big issue the best thing to do is motivate yourself, just think of the benefits once all the main stretching is over.
Also for the noise issue go in you garden and do it (not your front garden otherwise you may get passers by looking at you strangely).
I have this problem everyday although I have thought to myself that I have made up excuses for too long and from now onwards I must do something about it, even if it means getting up that extra few minutes earlier.
Hope this helps