Insulation Grants

Insulation Grants - Free cavity wall and loft insulation grants

An Insulation Grant from the Government could provide you with the money you need to re-insulate your home, improve energy efficiency and save money.

If your home isn’t properly insulated there’s a very good chance you are losing heat and therefore wasting money on energy bills.  According to the Energy Saving Trust properly insulating the walls of a detached property could save up to £445 in energy bills each year by applying for an insulation grant.  That’s a figure that’s hard to ignore.

What are Insulation Grants?

Insulation grants are offered as part of the Government's Energy Company Obligation (ECO) scheme.  The aim was to help low income households in England, Scotland and Wales to make their homes more energy efficient and save money on their energy bills. Unfortunately this grant isn’t available in Northern Ireland, to access funding for insulation in Northern Ireland you need to contact NIDirect Government Services.

The 'Big Six' utility companies, including Npower, EDF and British Gas, are obliged to provide funding so that those who need to can improve the efficiency of their homes. This includes grants for new boilers and insulation. As the funding is a grant, not a loan, it doesn’t need to be repaid and could cover a large part - if not all - of the cost of insulating your home.

What kind of insulation will a grant cover?

There are grants available for several different types of insulation, and you could be eligible for more than one!

  • Loft
  • Internal wall
  • Cavity.
  • Room in roof

You may be offered enough to fund the entire installation but some people receive only some of the money and need to contribute to the costs.

Who is eligible for an Insulation Grant?

If you’re a homeowner or a private renter (with permission from the landlord) who receives qualifying benefits, you could be entitled to an insulation grant from the Government.  

There is a maximum income for eligibility for Insulation Grants. The maximum income is based on how many people live in the property and only for some benefits.

You must be in receipt of one of the following benefits:

  • Pension Credit
  • Child Tax Credit
  • Working Tax Credit
  • Income Support
  • Income-based Jobseeker’s Allowance
  • Income-related Employment and Support Allowance
  • Universal Credit (and you earned £1,250 or less after tax in any assessment period in the last 12 months)

For some benefits, one of the following must also apply:

  • you get Child Tax Credit and your child’s disabled
  • you get Disabled Child Premium
  • you get Disability Premium
  • you get Pensioner Premium
  • you receive a work-related activity or support component - if you’re claiming
  • income-related Employment and Support Allowance
  • you’re 60 or over - if you’re claiming Working Tax Credit
  • you get a limited capability for work or work-related activity element - if you’re claiming Universal Credit
  • you get Disability Living Allowance or Personal Independence Payment - if you’re claiming Universal Credit

Other eligibility criteria information:

  • If you live in a Housing Association grants are only available on properties with Energy Performance Certificate (EPC) rating of E, F or G 
  • If you live in a rented property grants are only available to rented properties with an EPC rating of A, B, C, D or E AND landlord permission is always required to complete the insultation grant application process (the installer can help you with this)
  • Stone built properties older than 25 years are usually not eligible for insulation grants (this is because its only in the past 25 years or so that stone has been dressed on the inside of the cavity making it smooth rather than jagged which does not allow the insulating material to be installed correctly)
  • For cavity wall insulation, houses built on or after 1982 will already be insulated when built in accordance with building regulations which came out in the same year
  • Loft insulation must be 100mm / 4 inch or less to qualify for ECO funding

How do I apply?

You can apply online for an insulation grant and after you apply you'll be contacted to check you meet all the necessary criteria. They'll check what benefits you receive (in the case of Working Tax Credit or Child Tax Credit they'll need to make a note of your annual household income too) and confirm your status (whether you're a private tenant or own your own home). You will also be asked about the size, age, location of your home and specific insulation questions..

Apply for an insulation grant


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