Improving energy efficiency has never been more important — not just for protecting the environment, but also for protecting household finances. That’s exactly where the ECO4 Grant comes in. Backed by the UK government, this scheme provides vital funding to help households upgrade their homes with energy-saving improvements — at little to no cost. But what is the ECO4 Grant, who is eligible, and how can you apply? Read on for a complete, research-driven guide.
What Is the ECO4 Grant?
The ECO4 Grant is the fourth and final phase of the UK’s Energy Company Obligation (ECO) scheme, running from July 2022 until March 2026. Its main objective is to reduce fuel poverty and cut carbon emissions by improving the energy efficiency of low-income households across England, Scotland, and Wales.
Under ECO4, major energy suppliers like British Gas, EDF, E.ON, Scottish Power, and Ovo Energy are legally required to fund the installation of eco-friendly home improvements, such as:
- Solar panels
- Heat pumps
- Cavity wall insulation
- Loft insulation
- First-time central heating
- Smart heating controls
These upgrades can significantly reduce household energy bills, lower CO₂ emissions, and boost property value.
Why the ECO4 Grant Matters in 2024
With energy prices still historically high and climate targets looming, the ECO4 Grant delivers substantial benefits to qualifying households:
- 💸 Lower energy bills: Upgraded homes can save between £300–£1,600 per year on average, depending on improvements installed.
- 🌱 Environmental impact: Reduced dependence on fossil fuels helps meet the UK’s target of net-zero emissions by 2050.
- 🏡 Warmer, healthier homes: Better insulation helps eliminate cold spots, damp, and mould — improving comfort and health.
Who Is Eligible for the ECO4 Grant?
Eligibility is based on income, benefits received, and property type.
To qualify for the ECO4 Grant, homeowners or private tenants must receive at least one of the following benefits:
- Universal Credit
- Pension Credit (Guarantee Credit or Savings Credit)
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment & Support Allowance (ESA)
- Income Support
- Child Tax Credit
- Working Tax Credit
- Housing Benefit
In addition, the property must have an Energy Performance Certificate (EPC) rating of D, E, F or G — meaning the home is considered energy inefficient.
Good news for non-benefit households: The ECO4 scheme also includes a “LA Flex” option, where local councils can approve residents who don’t receive benefits but are still considered at risk of fuel poverty.
What Home Improvements Are Available Under ECO4?
Here’s a breakdown of popular energy-saving measures typically funded by the ECO4 Grant:
| Measure | Benefit |
| Loft insulation | Prevents up to 25% heat loss |
| Cavity wall insulation | Cuts up to 35% heat leakage |
| Underfloor insulation | Reduces draughts and improves comfort |
| Air-source heat pumps | 300% efficient low-carbon heating |
| Solar panels (PV) | Generates free, renewable electricity |
| First-time central heating | Efficient boiler + radiators installed |
| Heating controls/Smart thermostats | Optimise use & slash wasted heat |
The scheme emphasizes installing multiple measures to uplift homes to at least EPC band C wherever possible.
How to Apply for the ECO4 Grant
Applying for the ECO4 Grant is straightforward and completely free. Here’s how to get started:
- Check your eligibility – Make sure you (or someone in your household) receives a qualifying benefit OR verify that your local authority supports LA Flex applications.
- Get an EPC assessment – If you don’t know your EPC rating, check the online government register or arrange a professional survey.
- Contact an approved ECO installer – Only TrustMark-registered installers can deliver ECO4 upgrades. They’ll guide you through paperwork and manage the grant funding.
- Schedule a home survey – A surveyor will inspect your property to propose eligible improvements.
- Installation & sign-off – Once approved, work begins — often within weeks.
Frequently Asked Questions About the ECO4 Grant
Q: Do I need to repay the ECO4 Grant?
A: No. The ECO4 Grant is fully funded by energy suppliers — it’s not a loan and does not need to be repaid.
Q: Can I apply if I rent?
A: Yes — but only if you rent privately (not social housing) and your landlord gives written permission.
Q: Is ECO4 available for boilers?
A: ECO4 focuses less on replacing old boilers and more on holistic home upgrades, such as heat pumps, insulation, and controls. Boiler replacements may still be possible if combined with other measures.
Why You Should Apply in 2024
Funding is limited and allocated on a first-come, first-served basis, making early application crucial. As energy companies work toward their ECO targets, funding may run out sooner in high-demand areas. Applying now ensures you capitalize on free support before the scheme ends in 2026.
Final Thoughts
The ECO4 Grant is a powerful opportunity for UK households to cut their bills, futureproof their homes, and help fight climate change — with little to no upfront cost. If you’re struggling with high energy costs or live in a cold, inefficient home, checking your eligibility could be the first step towards a warmer, greener future.
If you’re struggling with high energy costs or live in a cold, inefficient home, checking your eligibility could be the first step towards a warmer, greener future.
