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Insulation Grants Scotland

£1000s in Free Grants to Insulate Your Home

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Up to £40,000 in Funding Available from GOV.UK

How do the grants work?

Free grant funding is available to eligible households for a range of home insulation measures
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Up to £40,000 in Funding Available from GOV.UK

insulation grants scotland

Insulation grant funding opportunities for a more energy efficient Scotland

When it comes to insulation grants in Scotland, the most well-known and commonly used scheme is the Warmer Homes Scotland programme. This provides funding and financial assistance to homes that are struggling with the cost of keeping their homes warm and could be facing fuel poverty.

The scheme aims to help make properties more economical to heat and improve the comfort in the home by covering the cost of installing a range of different energy efficient measures, including insulation. The Scottish government offers grants to homeowners and private tenants who meet the eligibility criteria and have lived in their homes for at least 12 months.

How much funding can you get through the Warmer Homes Scotland scheme?

The improvements that will be available to you through Warmer Homes Scotland will be based on a survey of your property. Assessors will visit your home to carry out the survey and then recommend suitable improvements to boost the energy efficiency of the building, which might include a range of heating and insulation.

In the majority of cases, all costs for installation will be covered by the Scottish government if you are an eligible individual. Keep in mind that grants are not available for work that has already been completed in your home. Any home improvements that are going to be funded by the scheme need to be managed by an approved installer.

Some customer contributions towards insulation measures might be required in specific cases, for example where more expensive solid wall insulation is recommended, in which case a householder might be offered a Scotland grant and loan.

Interest free loans are an option to help customers meet the cost of this contribution. The loan scheme is managed by the Energy Saving Trust and will require applicants to have a credit check, also and incur an administration fee if the loan application is successful. Additional information regarding the loan will be provided if your offer involves a customer contribution. 

Potential energy efficiency improvements you could benefit from include:

  • Cavity wall insulation
  • Loft insulation
  • Draught-proofing
  • Central heating (including new gas boilers)
  • Renewables

How does the Warmer Homes Scotland scheme work for private renters?

If you are a private tenant, your landlord may be aware of the improvements that the property in which you reside that they own could receive through the scheme, and which ones they might need to fund themselves. In any case, the landlord’s permission is needed before any improvements, such as loft insulation, can be installed at the property.

Restrictions have been in place, since 1st August 2017, to the type of improvements that are available under Warmer Homes Scotland to those living in privately rented homes. Private rented sector houses that are covered by the statutory Repairing Standard will no longer be able to receive improvements that are the legal responsibility of the landlord. In these cases, tenants are still eligible for other improvements through the scheme if they are recommended for the home by the assessor during the survey.

Who is eligible for free insulation through the Warmer Homes Scotland programme?

To qualify for funding for free loft insulation, or other similar home improvements through this scheme, your household needs to meet all of the criteria below:

  • Own your home or be a privately renting tenant
  • Reside in the property as your primary residence
  • Have lived in the property for a minimum of 1 year (unless in possession of a DS1500 certificate)
  • Live in a property with an energy rating of 72 or less and which has floor space of 230 square metres or less
  • Live in a property that meets the tolerable living standard as outlined in the Housing (Scotland) Act 2006, or in cases where the property does not meet the tolerable living standards, this will not affect the efficiency of the recommended measures for installation under the scheme
  • Residents must not have previously benefited from energy efficient improvements through Warmer Homes Scotland funding in the last 5 years


You should meet at least one of the conditions below:

  • Are of pensionable age, have no functioning heating system, and be receiving a ‘passport’ benefit
  • Are aged 75 or over and claiming a passport benefit
  • Pregnant and/or have a child that is under the age of 16 and you are receiving a passport benefit
  • Have a disability and claiming a high rate of Disability Living Allowance (DLA), the care or mobility part
  • Have a disability and be in receipt of any level of Personal Independence Payment (PIP)
  • Have a disability and be claiming a low/medium rate of DLA and be receiving an income-related benefit
  • You are a carer receiving Carers Allowance
  • You have been injured or disabled whilst serving in the Armed Forces and be in receipt of Armed Forces Independence Payment/War Disablement Pension
  • Have an injury or disability as a result of an accident or disease at work and be receiving Industrial Injuries Disablement Benefit

What are the ‘passport’ benefits?

The passport benefits you could be claiming are:

  • Guarantee part of the Pension Credit
  • Attendance Allowance
  • Universal Credit or any other benefits that are due to be replaced by Universal Credit (i.e., Income-based JSA, Child Tax Credit, Working Tax Credit, Employment and Support Allowance, Income Support, and Housing Benefit)
  • Council Tax Reduction (excluding 25% discount for single occupancy)
  • Carer’s Allowance
  • Higher Rate Care or Mobility elements of DLA or PIP
  • Armed Forces Independence Payment
  • Industrial Injuries Disablement Benefit

Private homeowners or tenants that are claiming an eligible benefit are likely to qualify for a cavity wall insulation grant in Scotland through the Warmer Homes Scotland scheme. This is as long as you are living in the property and are not currently carrying out any renovation work. Buildings manufactured between 1924 and 1982 are often suitable for cavity wall insulation. However, homes that were constructed up to 2005 that don’t have any insulation can also access financial assistance.

As more and more households across the UK struggle to keep up with their energy bills, cavity wall insulation is one of the best ways you can lower your bills. Evidence has demonstrated that homes without insulated cavity walls can result in up to 35% of the heat in the property escaping, and homes that do have cavity wall insulation installed could save up to £485 a year (Source: Energy Saving Trust – based on a gas-heated detached property and fuel price as of January 2024.)

You should be entitled to a loft insulation grant in Scotland if you meet all of the terms of the Warmer Homes Scotland scheme. Additionally, in your home’s loft, there should already be 100mm (4 inches) or less of insulation installed. In many cases, this will be level with or just below the joists. If it is more than this level, you could get a survey and quote to top your loft insulation up to 270mm.

According to the Energy Saving Trust, a detached property with a totally uninsulated loft that receives 270mm of loft insulation could enjoy annual energy bills savings of up to £445 (based on fuel prices as of January 2024).

Annual savings in other types of properties, as a result of adding loft insulation, could amount to the following:

  • £270 for a semi-detached house
  • £240 for a mid-terrace house 
  • £440 for a detached bungalow 

New funding opportunities with The Great British Insulation Scheme (GBIS – formerly ECO+)

Wider group of Scots to be helped than previously under the GBIS scheme

The Great British Insulation Scheme aims to help Scottish households with energy efficiency grants that will improve the level of insulation in homes to reduce energy demand and therefore energy bills. These energy saving home improvements will help not only those on the lowest incomes but also those living in the least energy efficient homes in lower council tax bands across Scotland.

Who will benefit from GBIS?

GBIS (previously ECO+) places an obligation on larger energy suppliers to support their most vulnerable and low income customers. The scheme started in summer 2023 and will run until March 2026. Grants for insulation will be available to low income and vulnerable households in Scotland, including those with an EPC rating of D or below and those in low council tax bands A-E.

GBIS is a UK government scheme complementary to the current Energy Company Obligation (ECO) Scheme, currently in its fourth iteration, ECO4. GBIS will offer insulation grants to those who haven’t previously had any Government funding towards the cost of improving the efficiency of their home.

Go green and save with insulation grants

Lower carbon footprint and create a greener home

For homes across Scotland, including rural and island homes, new technology is becoming more focused on lowering our impact on the environment and climate change. Whether you are conscious of how much energy and heat your home is wasting and you want to make a change, or your energy bills are skyrocketing, home energy efficiency programmes like this are available to help.

Making your home warmer and more comfortable

Everyone wants a home that is comfortable to live in all year round. Keeping warm not only helps us feel comfier and cosier, but it is also important for our health. However, the financial implications of certain energy efficiency measures, such as loft insulation, could be a barrier for low-income households which is why free funding from the Warmer Homes Scotland scheme and other grants for insulation are so important. You can also get additional advice about energy saving measures from Home Energy Scotland and the energy companies.

Contact us today to check your eligibility for free insulation grants in Scotland. 

Up to £40,000 in Funding Available from GOV.UK

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