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A Guide to Government Grants for Insulation 2022

There are three main government grants available for insulation in the UK

Local councils also offer a range of grants to support low-income households

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If you’re finding yourself constantly reaching for the thermostat, chances are your home needs better insulation to lock in that much-needed heat.

Although insulation isn’t the priciest thing to install, some households aren’t able to fork out hundreds – or thousands, depending on the size of your property – of pounds to keep warm.

If you’re looking for a more affordable way to insulate your home, check out the handful of government grants available below, whether you’re eligible for them, and how much help you can actually get.

If you’re not eligible for these grants, you can still find a good deal by comparing quotes. A quick and easy way to do this is by simply popping your details in this short form. Once we’ve received your details, we’ll get you in touch with our expert suppliers, who will contact you with free quotes.

Fitting insulation into wall

Are there government grants available for insulation?

There are three national grants that provide financial support for people wanting to install insulation at home: the Energy Company Obligation (ECO) scheme, Warm Homes Scotland, and Nest (Wales).

Each of these schemes focus on low-income and vulnerable households, which would typically benefit from this financial support the most.

Want to see what these schemes have to offer? We’ve outlined the key details below, including what’s covered, who’s eligible, and how to apply.

Government grants for loft insulation

Energy Company Obligation (ECO4)

The Energy Company Obligation offers a grant towards loft insulation for anyone who meets certain requirements.

Also named ECO4 (since it’s currently in its fourth stage), the government scheme works together with energy suppliers to provide financial support for low-income households.

This includes covering the cost of installing various home improvements, such as loft insulation.

The programme started back in 2013 but will come to an end in March 2026.


Who is eligible for ECO4?

Applicants must receive one of the following benefits to be eligible for the ECO4 scheme:

  • Income-based Jobseekers Allowance (JSA)
  • Income-related Employment & Support Allowance (ESA)
  • Income Support (IS)
  • Pension Credit Guarantee Credit Working Tax Credit (WTC)
  • Child Tax Credits (CTC)
  • Universal Credit (UC)
  • Housing Benefit
  • Pension Credit Savings Credit

Anyone with additional Department of Work and Pension (DWP) benefits will also have access to ECO4, regardless of whether they receive Universal Credit.


How to apply

To apply to the ECO4 scheme, all you need to do is get in touch with one of the energy suppliers that are offering it.

You’ll then be invited to a telephone assessment, which involves answering questions about your income, whether you receive benefits, and your property’s energy efficiency rating.

The installer will then arrange a date to visit your home and confirm whether it's suitable for the grant.

Warmer Homes Scotland

People in Scotland are able to install insulation through the government’s Warmer Homes Scotland scheme – if they meet certain requirements.

Similar to the ECO scheme, Warmer Homes Scotland offers financial support to low-income and vulnerable households that are struggling to keep on top of energy bills.

Loft insulation is a popular choice in this scheme. During both 2017/2018 and 2018/2019, 10% of installations through the Warmer Homes Scotland grant were loft insulation.


Who’s eligible for Warmer Homes Scotland?

To qualify for the Warmer Homes Scotland scheme, you must meet all of the following criteria:

  • Be a homeowner, or the tenant of a private-sector landlord
  • Live in the home as your main residence
  • Have lived there for at least 12 months (unless in receipt of a DS1500 certificate)
  • Live in a home with an energy rating of 72 or lower, which is not more than 230 square metres in floor size
  • Live in a home that meets the living standard set out in the Housing (Scotland) Act 2006
  • Haven't received support for energy efficiency improvements through Warmer Homes Scotland funding in the last five years


On top of this, you’ll also need to meet at least one of the following criteria:

  • Be of pensionable age, have no working heating system, and receive a passport benefit
  • Be aged 75 or older, and eligible for a passport benefit
  • Be pregnant and/or have a child under 16, and eligible for a passport benefit
  • Have a disability and be eligible for any level of Personal Independent Payment (PIP)
  • Have a disability and be eligible for a high rate Disability Living Allowance (DLA) (care or mobility component)
  • Have a disability, receive a low/medium rate Disability Living Allowance (DLA) (care or mobility component), and be eligible for a passport benefit
  • Be a carer in receipt of Carers Allowance
  • Have been injured or disabled serving in the Armed Forces, and be eligible for Armed Forces Independence Payment/War Disablement Pension
  • Have an injury or disability from an accident or disease caused by work and be eligible for Industrial Injuries Disablement Benefit


Anyone with the following benefits will also be considered for the scheme:

  • Guarantee element of the Pension Credit
  • Attendance Allowance
  • Universal Credit, or any of the benefits due to be replaced by Universal Credit (such as Income Based JSA, Child Tax Credit, Working Tax Credit, Employment and Support Allowance, Income Support, Housing Benefit)
  • Council Tax Reduction
  • Carer’s Allowance
  • Higher Rate Care or Mobility components of Disability Living Allowance (DLA) or Personal Independence Payment (PIP)
  • Armed Forces Independence Payment
  • War Disablement Pension
  • Industrial Injuries Disablement Benefit


How to apply

If you’d like to get the ball rolling, start by calling Home Energy Scotland on 0808 808 2282, or use the contact form to request a call or email back.

Once you’ve done this, the organisation will ask a few questions about your eligibility. If you qualify for the scheme, you’ll be referred to Warmworks Scotland (the Warmer Homes Scotland managing agent), who will offer a survey of your property.


People in Wales can install loft insulation through the government’s Nest scheme, as long as they meet certain criteria.

Nest supports low-income and vulnerable people in Wales by offering free and impartial advice about home energy, as well as funding for various home improvements.

If you’re eligible for the scheme, Nest will recommend a range of appliances that you can install at no cost, which will make your home warmer and reduce energy bills.


Who is eligible for Nest?

To be eligible for the Nest scheme, you must meet all three conditions below:

  • Own or privately rent your home (not from a local authority or housing association)
  • Have an inefficient home that is expensive to heat
  • You or someone you live with receives a means-tested benefit or has a chronic respiratory, circulatory, or mental health condition, and has an income below the defined thresholds

There are a number of means-tested benefits that qualify, including:

  • Child Tax Credit (income below £16,105 a year)
  • Council Tax Reduction (exemption and discount do not qualify on their own)
  • Housing Benefit
  • Income-based Jobseeker’s Allowance
  • Income-related Employment and Support Allowance
  • Income Support
  • Pension Credit
  • Universal Credit
  • Working Tax Credit (income below £16,105 a year)


How to apply

If you think you meet the eligibility criteria, call Nest on 0808 808 2244, or request a call back using the online form.

A Nest advisor will then ask you some questions to see if you and your property qualify for any free home improvements. If you’re successful with your application, an assessor will visit your home to see what energy efficiency improvements they can offer.

Government grants for cavity wall insulation

If your home needs cavity wall insulation, you might be able to get a grant through the ECO, Warmer Homes Scotland, and Nest schemes.

Each of these schemes covers cavity wall insulation, but will only support people who meet the criteria listed above.

Government grants for spray foam insulation

Although there are a number of government grants that provide insulation, spray foam insulation isn’t usually a popular material in these schemes. This might be because spray foam is typically the most expensive insulation material on the market.

It’s worth noting that this doesn’t necessarily mean that you can’t get spray foam insulation through government grants – it just means it might only be economical for some properties.

The Energy Saving Trust found that Warmer Homes Scotland uses innovative measures to improve homes, some of which included spray foam insulation. For example, in homes with suspended floors, the scheme has used Q-Bot technology, which uses robots to spray insulation under the floor.

The Nest and ECO schemes, on the other hand, don’t mention spray foam on their websites.

Installer using spray foam insulation

Local grants for insulation

There are also various local grants available to help pay for insulation at home.

If you’d like to find out whether there are any local grants in your area, check out the government’s helpful tool. All you have to do is pop in your postcode, and you can see whether there’s anything available.

The number of schemes available will depend on which region, town, or city you live in. To give you an idea of what to expect from local insulation schemes, we’ve given a few examples below.

London – Warmer Homes grant

Sadiq Khan’s Warmer Homes programme provides free heating, insulation, and ventilation improvements for low-income households.

Londoners are able to get between £5,000 and £25,000 towards home efficiency improvements – though this amount depends on your existing energy efficiency rating and the type of fuel your house uses.

To be eligible for this scheme, applicants need to:

  • Live in Greater London
  • Own or rent their own home (landlords can apply as long as the tenant is eligible)
  • Receive a qualifying benefit or be on a low household income
  • Meet maximum energy efficiency and household income requirements for the Sustainable Warmth element

Nottingham – Healthy Housing Service

The Healthy Housing Service funds a range of home-energy improvements for anyone over the age of 60, as well as families with young children who are at risk of cold-related illnesses.

Through the scheme, people can get insulation installed either for free or at a heavily subsidised rate, along with boiler checks and advice on switching energy suppliers.

York – Home Upgrade Grant

The City of York council funds home improvements through its Home Upgrade Grant (HUG) – a scheme that’s available for low-income households.

Applicants can receive various energy efficiency measures, including loft insulation and draft proofing, cavity wall insulation, and attic room insulation.

To qualify for HUG funding:

  • Your household must have an annual income of less than £30,000 per year
  • Rented properties must have an Energy Performance Certificate (EPC) rating of D to G

The Green Homes Grant

The Green Homes Grant was created to fund eco-friendly installations in more than 600,000 homes, as well as to help tradespeople during an economic downturn.

The £2 billion initiative covered two-thirds of the cost of home improvements designed to cut energy bills and carbon emissions. Unlike the ECO, Warmer Homes Scotland, and Nest schemes, the Green Homes Grant initiative wasn’t limited to low-income households.

However, just four months after the scheme was extended until March 2022, it was cancelled.

Many experts are hoping the government will introduce another scheme to help people install home efficiency measures amid the energy crisis – but nothing has been confirmed yet.

Next steps

The UK desperately needs to improve its housing stock if it wants to reduce fuel poverty across the country.

Hopefully this article has helped you get a better understanding of the grants on offer for people in the UK.

If you find you’re not eligible for any of these schemes, fear not – you can still find a good deal on insulation. All you have to do is pop your details in this short form. Once we’ve received your information, we’ll put you in touch with our trusted suppliers, who’ll contact you with quotes to compare.

Beth Howell Senior Writer

Beth has a real passion for green living. She’s been absorbed in eco research for over three years, and has become quite the expert. Whether you’re after a new set of solar panels, a home energy improvement, or you want to catch the latest eco news, she’s got your back.

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