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What is the ECO4 Scheme?
The ECO4 (Energy Company Obligation 4) scheme is a UK government initiative running until March 2026 that provides free or heavily subsidised energy efficiency improvements to eligible households across England, Scotland, and Wales.
Under the ECO4 scheme, major energy suppliers are legally required to fund energy-saving home improvements for qualifying homeowners, private tenants, and social housing tenants. This means you could receive thousands of pounds worth of upgrades at absolutely no cost to you.
ECO4 Scheme Impact (2023-2025)
450,000
Homes upgraded
£1.8B
Total funding
£450
Average annual savings
32%
Bill reduction
Am I Eligible for ECO4? Quick Qualification Check
The ECO4 eligibility checker above will give you instant results, but here’s a quick overview of the ECO4 eligibility criteria:
ECO4 Eligibility Requirements 2025
Property Status
You must be a homeowner, private tenant, or social tenant
Location
Property must be in England, Scotland, or Wales
Council Tax Band
Bands A-D (England)
Bands A-E (Scotland/Wales)
EPC Rating
Rating of D, E, F, or G
Income/Benefits
Income under £31,000 or receiving benefits
Property Type
Must be your main residence
Qualifying Benefits for ECO4
If you receive any of these benefits, you may qualify for ECO4:
- ✓ Universal Credit
- ✓ Pension Credit (Savings or Guarantee)
- ✓ Income Support
- ✓ Income-based Jobseeker’s Allowance (JSA)
- ✓ Income-related Employment and Support Allowance (ESA)
- ✓ Working Tax Credit
- ✓ Child Tax Credit
- ✓ Housing Benefit
- ✓ Child Benefit (with income threshold)
- ✓ Warm Home Discount Scheme eligibility
What Energy Improvements Can I Get Under ECO4?
The ECO4 scheme covers a wide range of energy efficiency measures. Here’s what you could receive completely free or heavily subsidised:
Cavity Wall Insulation
Value: £500 – £1,500
Savings: Up to £380/year
Fills the gap between exterior and interior walls to prevent heat loss
Solid Wall Insulation
Value: £4,000 – £8,000
Savings: Up to £620/year
Internal or external insulation for homes without cavity walls
Loft Insulation
Value: £300 – £500
Savings: Up to £355/year
Insulates your roof space to prevent heat escaping
Boiler Upgrade/Repair
Value: £2,000 – £4,000
Savings: Up to £580/year
Replacement or repair of inefficient boilers
Underfloor Insulation
Value: £500 – £1,500
Savings: Up to £175/year
Insulation installed beneath ground floor
Room-in-Roof Insulation
Value: £1,000 – £2,500
Savings: Up to £315/year
Insulates rooms built into the roof space
How Much Money Can I Save with ECO4?
The financial benefits of the ECO4 scheme are substantial. Here’s a realistic breakdown of potential savings:
Annual Energy Bill Savings
Cavity Wall Insulation
£380 per year
20-year savings: £7,600
Solid Wall Insulation
£620 per year
20-year savings: £12,400
Loft Insulation (270mm)
£355 per year
20-year savings: £7,100
Combination Package
£600+ per year
20-year savings: £12,000+
*Savings based on typical 3-bedroom semi-detached home with gas central heating. Source: Energy Saving Trust 2025
ECO4 Eligibility Checker
Check if you qualify for FREE insulation, boiler upgrades & energy grants in 2 minutes
What is your property status?
This helps us determine your eligibility pathway
Where is your property located?
Different rules apply across UK regions
What is your Council Tax band?
You can find this on your council tax bill
What is your home's EPC rating?
Energy Performance Certificate rating
Do you receive any benefits?
This can increase your eligibility
Get Your Results
Enter your details
Congratulations!
You May Be Eligible For:
Ready to Start Saving?
Connect with approved installers for free assessment
The ECO4 Application Process – Step by Step
Getting your free home improvements through ECO4 is straightforward. Here’s exactly what happens:
Your ECO4 Journey (4-8 Weeks)
Step 1: Check Eligibility (2 minutes)
Use our free ECO4 eligibility checker above to see if you qualify. You’ll get instant results.
Step 2: Free Home Assessment (1-2 weeks)
An MCS-certified assessor visits your home to conduct a thorough energy efficiency survey.
Step 3: Customised Plan (3-5 days)
You’ll receive a detailed proposal outlining the recommended improvements.
Step 4: Installation (1-5 days)
Professional, approved installers complete the work.
Step 5: Start Saving (Immediate)
Once installed, you’ll immediately notice warmer rooms and lower energy bills.
Common ECO4 Questions Answered
Can landlords apply for ECO4?
Yes! Landlords can apply for ECO4 grants on behalf of their tenants. The property must meet the eligibility criteria, and the tenant must give permission.
Do I need to repay ECO4 funding?
No, absolutely not. ECO4 is a government-mandated grant scheme, not a loan. There are no repayments required.
How long does ECO4 take?
The typical ECO4 timeline is 4-8 weeks from initial application to completed installation.
Will ECO4 affect my benefits?
No, ECO4 grants do not affect your benefits. The funding is not counted as income.
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Disclaimer: This ECO4 eligibility checker provides an indication of your likely eligibility. Final approval is subject to a home assessment. The ECO4 scheme is administered by Ofgem. Savings estimates are based on Energy Saving Trust data. The scheme runs until 31st March 2026.
Last Updated: 9th October 2025 | Sources: Ofgem, Energy Saving Trust, BEIS, GOV.UK
