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Save £100s Each Year With Home Insulation

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You Could Qualify For a Loft Insulation Grant UK 2022

£1000s in Free Grants to Insulate Your Home

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Government-funded grants are available to eligible candidates throughout the UK.

How do the grants work?

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Table of Contents

Can I really get a free insulation grant?

Yes, insulation grants are available to eligible households under the government-backed ECO4 scheme with funding coming from the UK’s main energy providers.

The scheme provides funding for households to help them improve the energy efficiency (EPC) of their homes, reduce their carbon footprint, and make savings on their heating bills. 

Qualifying benefits include a number of income-based benefits, including Jobseekers Allowance and Income Support. However, there are several more ways you could be eligible for a grant without needing to be receiving benefits.

Do I have to pay the grant back?

No, you do not have to be pay anything back. As long as you are eligible under the terms of the scheme, an installer will carry out the work and the grant will be used to cover the cost of the installation. Under the ECO scheme the main energy suppliers, including British Gas, E.ON, Npower, Scottish Power, SSE, EDF plus others, have an obligation to provide the grants that pay for insulation in qualifying domestic households.

There have been some changes to eligibility, meaning that some people who were previously excluded, as they didn’t receive benefits may now qualify for a home insulation grant, especially if they are a low income household. Grants are also targeted at homes whose Energy Performance Certificate (EPC) puts them in the bands E, F or G.  

EPC Rating Graphic
Infographic: Energy Performance Certificate (EPC) Bands

Who can qualify for a loft insulation grant?

To be eligible for loft insulation under the ECO scheme, you need to either own your home, or privately rent it and have the landlord’s permission to make the necessary changes. Energy suppliers will require access to your loft for the work to be completed. They will have to be able to insulate at least two-thirds of your loft space, meaning households that already have more than 100mm of loft insulation will be excluded from the scheme.

Also, to qualify for free loft insulation under the scheme, you need to be a household with an income of £31,000 or less, or someone in your household needs to be receiving one of the benefits listed below.

If you meet the criteria, you should be eligible for a free grant that does not have to be paid back. Even if you are not entitled to a 100% grant, it is still worth enquiring as you could get a subsidy to save you money on your payment for loft insulation.

There have been some changes to the ECO scheme meaning that some low-income households were previously excluded, as they didn’t receive benefits. Grants are also targeted at those homes that would most benefit from insulation and whose Energy Performance Certificate (EPC) puts them in the bands E, F or G.  

Social housing tenants should contact their council or housing association as they organise their own schemes to help improve energy efficiency in low-income households. If you own 50% or more of a housing association home, you can still apply for a grant.

Tanks and pipework are added on as part of the scheme, as well as fitting draught excluders around the hatch and a walkway to any tanks that are further than 1m from the hatch. Keep in mind that the insulation needs to cover 60% or more of the property. Extensions don’t usually qualify for grant funding for this reason.

You don’t need to be receiving benefits!

How can I apply for a free loft insulation grant? 

Applying is easy with our quick online form. Here is how you can apply for free loft insulation grant:

  • Find out whether you qualify or not by submitting an inquiry via our form. (You can check your EPC rating using the Gov.uk website if you reside in England or, you can use Scottish EPC Register if you reside in Scotland.)
  • Then a registered insulation installer will be in touch to arrange an appointment for a survey. 
  • Assuming you are happy to proceed the work will then be scheduled at a time convenient for you.
 

The work will be completely free of charge if you receive certain income-related benefits, with the grant covering the entire cost. However, in certain cases, if the insulation installation is complex, then you may be required to make a small contribution. 

Even if you do not qualify for a full house insulation grant it is still worth applying as you may be able to get a subsidised grant to partially cover the cost of your new insulation. You may also be able to claim a heat pump grant (see here) or a solar panel grant (see here)

By adding insulation to your home you will improve your energy efficiency, reduce your carbon footprint and reduce your energy bills. This allows low-income households to not only have the initial cost covered but to continue to save on their monthly bills. 

Helping you save up to £590 annually on your energy bills

Since insulation can make a significant difference on heat loss in the home, it has the potential to save you hundreds on your energy bills – particularly when the colder weather sets in! According to the Energy Saving Trust, an uninsulated detached property could enjoy annual energy bill savings of up to £590 once the loft or roof space has been insulated.

Annual savings that could be enjoyed by previously uninsulated properties having loft insulation installed for the first time have been estimated by the Energy Saving Trust as follows:

  • Detached house – £590
  • Semi-detached house – £355 
  • Mid-terrace house – £330
  • Detached bungalow – £590

 

Estimated savings are based on insulating a gas-heated home with a totally uninsulated loft with 270mm of loft insulation and based on fuel prices as of October 2022.

The savings don’t just end there, as a typical loft insulation could also save many kilograms of CO2 emissions. Estimated annual savings (kgCO2/year) are as follows:

  • Detached house – 1000kg
  • Semi-detached house – 610kg 
  • Mid-terrace house – 560kg
  • Detached bungalow – 1000kg
infographic explaining EPC
Infographic: Insulation & Improving EPC ratings

Types of Insulation Grants

Find out more information if one of these applies to you:

APPLY ONLINE: Let’s See If You Qualify

What different funding schemes are available for home insulation?

The Energy Company Obligation (ECO) scheme was introduced by the UK government in 2013 with the aim of reducing carbon emissions in domestic homes across the country. The scheme is now in its fourth iteration, ECO4, and obligates the large energy companies with the responsibility of supplying grants to qualifying households to cover the cost of energy efficient home improvements such as insulation.

By providing free grants for home insulation, those who are eligible can save hundreds of pounds on their energy bills, see improvements to the level of heat being retained in their properties, and they will become more environmentally friendly with lower carbon emissions. The latest and last version of the scheme, ECO4 was launched in autumn 2022.

Read more about ECO4 grants here.

 

The £1 billion ECO+ scheme is due to release funding in April 2023 and will extend support to hundreds of thousands of households in energy inefficient homes in lower Council Tax bands, in an attempt to help some of the most vulnerable bring down their energy costs.

ECO+ funding will help households who may not previously have been eligible for government support to upgrade the energy efficiency of their homes. The ECO plus scheme builds on the existing £6.6 billion ‘Help to Heat’ energy schemes, including the Social Housing Decarbonisation Fund, Home Upgrade Grant and Local Authority Delivery Scheme.

Some of the main details of the  ECO+ scheme are as follows:

  • Grants of up to £15,000
  • Will benefit households that do not currently benefit from government support to upgrade their home
  • 80% of the funding available for households who are in some of the least energy-efficient homes in the country
  • This includes homes with an EPC rating of D or below or those in the lower Council Tax bands.
  • Around 20% of the fund targeted to those who are the most vulnerable, including those on means tested benefits or in fuel poverty.

Households in Scotland could take advantage of the available grant funding for home insulation through the Warmer Homes Scotland programme. This provides funding and financial assistance to homes that are considered most likely to be struggling with the cost of heating their homes. 

The scheme aims to help improve the energy efficiency of properties by covering the cost of installing a range of different home improvement measures, including insulation. The Scottish government grant is available to homeowners and private tenants who meet the eligibility criteria and have resided at the property for at least 12 months.

Read more about Warmer Home Scotland here.

The Welsh Government Warm Homes programme funds energy efficiency improvements and impartial advice to eligible households to help them receive free or substantially subsidised insulation to make their property more energy efficient.

Improvements are delivered through the Nest scheme, and had previously been through the Arbed scheme. The aim is to help fund energy efficient home improvements for low-income households and disadvantaged areas across the region to make their homes warmer and reduce energy bills.

Find out more about the Nest scheme Wales here.

The Green Homes Grant was created to fund eco-friendly installations to help UK households with the goal of reducing carbon emissions and to reduce their energy bills. The government established the voucher scheme, with these able to be redeemed for these energy-saving improvements, including insulation and low-carbon heating systems. The scheme was originally meant to run until March 2022, but was cancelled in March 2021.

The funding wasn’t limited to low-income households, but typically would have covered around two-thirds of the overall cost of any improvement, unless someone in the household received certain benefits, in which the full cost of the improvement would have been covered, up to a max of £10,000.

Read more about the Green Homes Grant here.

Various grants are available at a local level to help with the cost of insulating the home. The availability of grants will depend on the area you live in as there are different funding initiatives for insulation and other eco measures across the country.

Examples include London’s Warmer Homes Grant programme which provides grants of between £5,000 and £25,000 for free heating, insulation, and ventilation improvements for low-income households; Nottingham’s Healthy Housing Service funding a range of energy efficiency improvements for those over the age of 60, or families considered at risk due to cold-related illnesses; and York’s Home Upgrade Grant (HUG) that funds home improvements, including insulation and draught-proofing, for low-income households.

What types of insulation are covered by the schemes?

All private homeowners that are eligible can claim a cavity wall insulation grant, as long as the house is occupied and not having renovation work completed. Brick-built properties made between 1924-1982 are usually suitable for cavity wall insulation, although properties that were built up to 2005 without insulation can also receive help.

With energy costs rising year on year, cavity wall insulation is one of the best ways to reduce your heating bills. Research has shown that un-insulated cavity walls can cause up to 35% of the heat within a property to escape, and homes with cavity wall insulation can save up to £690 each year (based on a detached property and fuel prices as of October 2022).

For more information visit our cavity wall insulation grants page. 

To be eligible, the house must be owned or privately rented and currently occupied. If you are getting one of the benefits listed above, you should be entitled to a grant to cover the cost of loft insulation.

In order to qualify for a grant, the property should be uninsulated or have loft insulation of 100mm or less.  Usually, this will be level with or below the joists. If it is over this level, you could have a survey and a quote to top up your insulation to 270mm.

If you are receiving one of the qualifying benefits and you are the homeowner or private tenant, you should be able to get free room in roof insulation. To be able to have this type of insulation put in place, the home needs to have  roof rooms from when it was first built or have undergone a loft conversion. There should be minimal or no insulation in the walls and ceiling and the property must have a fixed staircase to access the loft.

For more information visit our room in roof insulation grants page. 

If someone in your household is claiming a benefit, you might be entitled to free internal wall insulation for your home, if you are the owner of the property or are renting it from a private landlord. The building must have walls that are of solid construction type for you to be able to have internal solid wall insulation put in.

For more information visit our internal wall insulation grants page. 

For an external wall insulation grant, you can claim up to 25% of the cost. Prices for installing external wall insulation can normally range from £7,000 to £15,000. It is usually installed in properties that have solid brick or concrete walls, but it can also be fitted to homes with cavity walls that are not suitable for cavity wall insulation.

For more information visit our external wall insulation grants page. 

How home insulation will work for you

Reduced energy consumption

Insulation will reduce heat loss in the home reducing your demand for heating.

Bill Savings

A better insulated home means huge savings on your heating bills.

Carbon footprint reduction

Be a greener household by reducing the environmental impact of your household.

Insulation Grant FAQs

As previously mentioned cavity wall insulation can save up to £690 per year on energy bills due to its effectiveness of preventing heat from escaping.

Solid wall insulation whether it is fitted internally or externally can save homeowners up to £930 every year on bills and prevent 1.6 tonnes of CO2 emissions, so you can save money and become more environmentally friendly.

Having loft insulation can save you up to £590 per year on heating bills as it stops up to 25% of heat being lost via the roof.

Insulated roof rooms can lower your heating bills by a similar amount by preventing heat being lost through the walls and roof.

*Estimates from Energy Saving Trust

If you are a homeowner or private tenant, with a household income of below £31,000 or are currently receiving one or more of the listed benefits, you qualify to apply.

For any further information on your eligibility, get in touch with us today.

Good quality insulation in your home will help you keep the desired temperature in your property all year round, meaning it will be protected from the cold in the winter and from excess heat in the summer.

A house that is well-insulated is normally very energy efficient and will require very little extra heating and cooling. Insulation can also be beneficial in reducing noise pollution which is especially useful to those who live in busy urban areas.

The exact amount of money you will save by getting insulation in your home can depend on various factors such as the type of insulation and the size of your property. As well as this, depending on how old your building is, you may need to incorporate more or less insulation measures. The good thing is that you don’t typically need any planning permission to have home insulation installed and if you are eligible for a grant it won’t cost you anything to get it.

Normally, more modern properties are built to very good insulation standards, but older homes in the UK can need a lot of work. In the latter case, there are likely a range of options to improve the energy efficiency in your home. When it is too cold, heat can be lost in all directions, so you should consider integral insulation to keep the heat within your house. One of the key areas to insulate is the walls as for a standard house the walls will lose the most heat at around 30% to 40%.

The types of insulation you could get installed for free with a grant includes:

All UK homeowners or privately renting tenants who are receiving an income-related benefit can apply for free insulation grants, that are serviced by the energy companies.

Loft Insulation FAQs

The cost of insulating a loft is usually cheaper than other forms of insulation, with prices being between £345 and £610, based on the type of property that you own. Even though this may seem like a pricey initial cost, loft insulation can save a previously uninsulated property (according to Energy Saving Trust figures and fuel prices as of October 2022) anywhere from £330 to £590 a year on your heating bills, as your heating can be turned on less often and for shorter periods of time. Also, there is the extra bonus of good insulation having certain benefits to the environment, such as lowering your carbon footprint. This is because less fossil fuel is being burned, so loft insulation can significantly reduce CO2 emissions by up to 800kg a year.

Fuel poverty is a real possibility for millions of households across the UK, so we need alternative solutions. Mineral wool, glass fibre, and other recycled materials can be an ethical way of insulating your external walls, so long as it complies with building regulations. This way there will be less need for gas boilers and people will be required to spend less on their energy bills. We believe there will be more qualifying benefits this way. 

Of course, the price of loft insulation installation would be significantly reduced or even completely free with a roof or loft insulation grant.  

One of the biggest benefits of having the full recommended levels of loft insulation installed is the cost-saving it can offer to homeowners each year. 

Whilst the exact amount of money you can save if you install loft insulation in your home will vary based on factors such as the type of insulation used and the size of your property, you can expect to save at least £330 a year on energy costs (assuming your loft was previously uninsulated). 

Depending on the size of your home, those with lots of heat lost through the roof can expect to save even more, in the region of up to £590 a year for a larger detached property because quality insulation can prevent up to 25% of heat from being lost through the roof. 

If installed correctly, loft installation should last around 40 years before it is likely to need replacing.

For an average size loft, it can take 1-1.5 hours to complete a loft insulation fitting. Your loft will need to be free of clutter so that our installers can have easy access to complete the installation.

Why Are Households Installing Insulation

There has never been a better time to take advantage of insulation funding grants 

Uninsulated homes experience significant heat loss

With rising energy costs, insulation can be one of the best ways to reduce your bills

Did you know…

The Climate Change Act has committed the UK to achieving net zero by 2050, compared to the previous target of an 80% reduction in emissions by 2050.

Enquire today and find out how much in Government funding you could get…

See how much you could save

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