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Home insulation grants – all you need to know

Everything you need to know about Home Insulation Grants

Home insulation grants can help households who are looking to improve their energy efficiency.

There are non-repayable grants available which make home insulation measures either free or heavily subsidised for all private sector domestic properties in the UK. The Energy Company Obligation (ECO) is a government scheme which requires energy suppliers to fund home insulation measures as part of their drive to reduce carbon emissions.

ECO covers 3 main areas but our trained assessors will help you navigate through this to find the best deal for you.

Carbon Emissions Reduction Obligation (CERO) – This is available to every home in the UK and provides either free or discounted home insulation measures with a focus on reducing carbon emissions. This includes cavity wall insulation, loft insulation, plus external & internal wall insulation if you live in a solid wall property.

Carbon Saving Communities Obligation (CSCO) – This is aimed at low income and vulnerable households to ensure people struggling to pay their heating bills are supported. This also provides free/discounted insulation measures like CERO.

Home Heating Cost Reduction Obligation (HHCRO) – Like CSCO, this is aimed at low income and vulnerable households in receipt of certain benefits. Not only does it provide free home insulation but it provides funding to cover most or all of the cost a new boiler if the property is currently being heated by a broken or old inefficient boiler.

To see a full table of all measures covered under the ECO grant visit

The ECO home insulation grant is also available to tenants, however, they need to ensure they have received permission from the landlord beforehand.

One of our qualified assessors will be able to advise you regarding your eligibility for the ECO home insulation grant. This is decided by visiting your property and analysing your homes current energy saving measures, where you live and if you receive any benefits.

Energy Saving Trust also runs various home insulation grants and scheme in Scotland this includes HEEPS: Warmer Homes Scotland Scheme. This scheme is designed to help make homes warmer by installing energy saving measures including home insulation. Offered to homeowners and private sector tenants, who have lived in the property for more than six months, struggling to heat their homes. However the same as the ECO grant you and your home will need to meet certain requirements these include but are not exclusive to:

·Be homeowners or the tenants of a private-sector landlord
·Have lived there for at least 6 months
· Live in home with an energy rating of 54 or lower
·Be aged 60 or over, have no working heating system and be in receipt of a passport benefit
·Be aged over 75 and in receipt of a passport benefit
·Pregnant and/or have a child under 16 and in receipt of a passport benefit
·Have a disability and be in receipt of any level of Disability Living Allowance or Personal Independent Payment

For more details on the requirements for the HEEPS: Warmer Homes Scotland Scheme visit

There is also a HEEPS: Loan Scheme available in Scotland which is an interest-free loan of up to £10,000 for a range of measures including home insulation, double glazing and boilers. Repayment periods vary upon the amount you plan to borrow, however, those who take out higher loans have the option to pay back over 10 years.  The amount you are able to borrow depends on the measure you are planning to have installed, therefore within your loan application, you will also need to send a GDAR and one quote minimum for each measure you wish to install.

For more information regarding HEEPS: Loan Scheme visit

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