ECO4 insulation grant in Scotland

ECO4 Grant Scheme Scotland 2024

The ECO4 scheme in Scotland provides 100% grants for free insulation and renewable energy products. ECO4 is designed to help Scottish households deemed to be living in fuel poverty. To be eligible for an ECO grant, you must live in a non-gas-heated property with a low energy rating (E or below) and claim a means-tested benefit.

What does the ECO4 grant cover?

If you are eligible for an ECO grant, you can access almost unlimited funding to make energy-efficient improvements to your home. The measures included under the ECO grant scheme include:

ECO4 scheme eligibility in Scotland 2024

ECO4 grants are aimed at properties in Scotland that have a low energy efficiency rating (E-G) and are off the gas grid. Under the ECO scheme, any occupant of a property who meets the benefit criteria may qualify for an energy efficiency grant if their property is suitable. The current benefits for ECO4 grant eligibility are as follows:

  • income-based Jobseeker’s Allowance
  • Child Tax Credit
  • Working Tax Credit
  • Universal Credit
  • Pension Guarantee Credit
  • Pension Savings Credit
  • Income Support
  • income-related Employment and Support Allowance
  • Housing Benefit

ECO4 Solar Panels

Free grants for solar panels have been introduced as part of the ECO4 scheme in Scotland. Eligible households can now reduce their energy bills by around 60% by generating their own free, green electricity. Solar PV panels must be installed with a new air source heat pump as part of a complete energy efficiency makeover of a property.

ECO4 grants for an air source Heat Pump

Government grants for free heat pumps are now available for properties in rural Scotland through the updated Energy Company Obligation (ECO) scheme.

Air-source heat pumps are a new type of energy-efficient heating system that use heat from the outside air or ground to provide hot water for your central heating and taps inside your home. Heat is collected from the ambient air and compressed to provide heating for your central heating system.

Who is eligible for a heat pump grant in Scotland?

The updated and rejuvenated Energy Company Obligation Scheme (ECO4) is now focused on providing full energy efficiency improvement projects for properties in rural parts of Scotland where households are living in fuel poverty.

LG air source heat pump grant
Heat Pump

Many homes are still heated with fossil fuel heating systems like oil and LPG boilers. The new grant scheme is designed to provide free boiler upgrades for these types of properties. To qualify for a free heat pump, someone living in the property must be on benefits or tax credits. The property must also meet minimum insulation requirements in terms of wall and roof insulation.

If you live in a stone- or brick-built property with an older heating system. Your walls must be insulated before a heat pump is installed. The good news is this will also be installed for free along with the air source heat pump,as part of the grant scheme.

ECO4 Insulation Grants

Why does your home need insulation to get heat pump grant funding?

As part of the new heating grant scheme, you can replace your old boiler with a free heat pump. However, to get grant funding, we must also be able to insulate your walls. Heat pumps heat your water to a couple of degrees less than a traditional gas or oil boiler, so to get the benefit, your home must have adequate cavity or solid wall insulation.

Scottish insulation grant scheme

Scottish Energy Grants provide information and access to home insulation grants in Scotland through the Energy Company Obligation (ECO). The ECO scheme helps to cut levels of harmful carbon dioxide emissions and tackle fuel poverty by providing funding for home energy efficiency improvements.

  • ECO is backed by the UK and Scottish governments and is part of the drive to improve our carbon footprint by lowering emission levels
  • The largest energy companies provide grant funding to pay for home energy efficiency improvements like cavity wall insulation
  • In 2018, many homes in Scotland are not insulated correctly, which led to higher heating bills
  • Insulating your roof and walls can save £100s per year on home energy costs

Solid Wall Insulation

If your home was built before 1930, it probably has solid walls. This means it was likely constructed using solid stone or brick. This type of property is not suitable for cavity wall insulation, as there is no gap to fill.

Internal solid wall insulation offers an effective, energy efficient solution for this type of property. Insulation material is fitted directly to the interior surface of your exterior walls and then finished with a plaster skim. Interior fittings, including light switches and sockets, are removed and then refitted to your walls, which are left paint-ready.

Solid wall insulation can improve the aesthetic appearance of your property and greatly improve your energy efficiency. This measure is fully covered by the ECO4 grant scheme

Cavity wall insulation

Cavity Wall Insulation stops heat from escaping through the walls of your home. Around 35% of the heat in the average home in Scotland and the UK is lost through the outer walls of the house. Under the current Government Insulation Grants Scheme, hundreds of thousands of Scottish and UK homeowners, landlords, and private tenants qualify for a grant for wall insulation. If your home was built after 1920, it probably has walls with a gap or cavity between them. Cavity wall insulation fills that gap, keeping the warmth in to save energy. It can also help reduce condensation inside the house if this is a problem on your external walls.

What is cavity wall insulation?

The cavity wall insulation that is installed through the wall insulation grant scheme is a man-made fibre similar to loft insulation but finely chopped to fit in between your walls. It is moisture-proof and cannot pass dampness from your exterior wall to the interior wall via the cavity. Installing cavity wall insulation is like putting a coat on your house. The insulation keeps the heat in, meaning that you can have your central heating on for less time or turn it down to a lower level. This costs you less in gas / fuel bills and reduces harmful emissions that are released into the environment. Cavity wall insulation also keeps your home cooler in the summer.

Is cavity wall insulation suitable for your house?

Your house will usually be suitable for cavity wall insulation if:

  • your external walls are unfilled cavity walls
  • the wall cavity is at least 50mm wide
  • the masonry is in good condition
  • it is more than ten years old

Cavity wall insulation – benefits

Cavity wall insulation stops heat from escaping through the walls of your home. Around 35% of the heat in the average home in Scotland and the UK is lost through the outer walls of the house. Under the current Government Insulation Grants Scheme, hundreds of thousands of Scottish and UK homeowners, landlords, and private tenants qualify for a grant for cavity wall insulation. If your home was built after 1920, it probably has walls with a gap or cavity between them. Wall insulation fills that gap, keeping the warmth in to save energy. It can also help reduce condensation inside the house if this is a problem on your external walls.

How much can you save?

Property TypeDetachedSemi detachedMid terraceBungalowFlat
Fuel bill savings (£/year)£480£285£180 £195£145
Carbon dioxide savings (kgCO2/year)1100670425450335
These are estimated figures based on insulating a gas-heated home.  Figures are based on fuel prices as of April 2022. Energy Savings Trust

Do I already have cavity wall insulation?

If you think you already have wall insulation, it is recommended that you ask an approved energy assessor to check. It is a simple process. Fill out the insulation inquiry form for more information.

How do I get free wall insulation?

Getting a free insulation grant in Scotland is a straightforward process. You can arrange an appointment with an authorised Energy Grants Surveyor by entering your details in the Insulation Grant Enquiry Form opposite. A certified and approved insulation surveyor will then contact you to arrange a cavity wall survey. This involves drilling a small hole in your external wall and looking inside with a borescope to see if your walls have a cavity and if they already have insulation. The surveyor will then fill out a grant application, and the cavity wall insulation company will then come and fill your walls.

Heat Loss in an uninsulated home
Heat Loss in an uninsulated home

Heat loss in a home without adequate loft insulation or wall insulation

If you do not have adequate insulation in your walls or roof, your home is losing heat –  In an uninsulated home, 25% of heat is lost through the roof, and around 35% escapes through the outer walls. This means that a huge percentage of your heating costs are being wasted. By insulating your property, you can save £100’s each year on unnecessarily high fuel bills. Your home will be easier to keep warm, and you will be helping the environment by reducing carbon emissions.

Loft Insulation Grants

Your home will probably already have Loft Insulation but two-thirds of homes in Scotland and the UK don’t have the recommended level of 270mm or 11 inches. This is the level of loft insulation needed to stop severe heat loss in the average home. It is common to assume that your home has effective loft insulation when you are actually spending a fortune on high gas and electricity bills If your loft is not insulated properly, you are probably losing 25% of the heat through your roof. Government grants for loft insulation are currently available for all home owners, landlords, and private tenants in Scotland who meet the criteria for Energy Company Obligation (ECO) Funding.

What is loft insulation?

Loft insulation is essential. Heat rises in your home and escapes quickly through your loft or attic and out of the roof. This costs us all a fortune as we try to keep our houses warm. Loft insulation makes it increasingly difficult for heat to pass through the roof, trapping the escaping heat and effectively “keeping it in”. The insulation is fitted between and across the joists in your loft and gives you a protective, sealed area in the home that stays warm for longer. meaning it costs less to heat your home as your central heating or fire is on for less time. In most cases, the insulation installation process takes less than two hours to complete, depending on the amount of loft insulation needed. Loft insulation is guaranteed for 40 years.


The main benefits of having loft insulation installed are:

  • Saves money on your heating bills
  • Loft Insulation reduces carbon emissions
  • Insulation makes your home warmer during winter and cools it in summer, giving you the best of both worlds
  • It increases your home’s energy performance rating, making it cheaper to run.


Insulating your loft is a simple and effective way to stop that waste and cut the amount you spend on heating your home. Loft insulation is effective for at least 40 years, and it will save you around £175 a year on heating costs These figures are estimated based on insulating a gas-heated, semi-detached home with three bedrooms. If you heat your home with an alternative fuel type or live in a larger detached house, your annual savings will increase. Effective home insulation is one of the most simple and effective ways to save energy and money. A qualified and government-approved insulation grant surveyor will come and give your home a quick check to make sure it’s suitable, and you can fill out the grant application form. Your free insulation will be installed a short time later.

What if I already have Loft Insulation?

If you already have loft insulation, it is best that you check and see if you have the recommended levels for heat loss prevention. You should have 270mm (11 inches) in your attic. If you have any less than this your loft is not insulated correctly.

How do I get free loft insulation?

Getting a loft insulation grant in Scotland is a straightforward process. You can arrange an appointment with an authorised Energy Grants Surveyor by entering your details in the Insulation Grant Form opposite. An insulation surveyor will then contact you to arrange a loft insulation survey. He will check to see if you have the recommended level of insulation. The surveyor will then fill out a form with you and arrange an installation date for your free insulation to be fitted.

Insulation grants in Scotland 2024: FAQ

Can I still get free cavity wall insulation in Scotland? Yes, both cavity wall insulation and loft insulation grants are still available for many properties in Scotland. Funding is available through the Energy Company Obligation (ECO). This scheme was attached to the “Green Deal” and is designed to help reduce carbon dioxide emissions and to help households that are deemed to live in “fuel poverty” with the cost of rising energy bills. There are some restrictions in the eligibility criteria, and many smaller properties do not qualify for a grant unless the occupants of the property receive benefits or tax credits.

How much insulation should I have in my loft?

The recommended thickness for blanket-style loft insulation (glass wool or mineral wool) is 270mm, or approximately 11 inches. Many properties in Scotland currently have some level of loft insulation. A large percentage do not meet the recommended depth. It is worthwhile checking your loft or attic because regulations have changed a number of times over the last few years, and your home insulation may have been fitted during the period when less was required.

What if I am a landlord with several properties in Scotland?

There is no restriction on the number of properties you own for which free insulation can be claimed. However, the property’s eligibility depends on the tenant’s circumstances and not the landlord’s. So a landlord who owns several properties can claim an insulation grant for all of them. However, the tenant must be on benefits or tax credits to be eligible for a home insulation grant. This includes loft and cavity insulation.

Who installs my insulation if I qualify?

The government vets all installers on the scheme. Scottish Energy Grants carry out an initial inspection and survey of your property to find out if you qualify for a free grant. We then pass your details on to a government-approved insulation installer in your area. The company that installs your loft or cavity wall insulation will depend on which part of Scotland you live in.

Who pays for insulation grants?

The major UK utility companies set aside funding to help with rising energy costs:

  • British Gas
  • Scottish Power
  • E.ON
  • SSE
  • npower
  • EDF Energy

The government has instructed these energy companies that they are obligated to help reduce emissions and help poorer sections of society cope with rising heating bills. Insulation grants are available in Scotland for those who meet the eligibility criteria.

Extracting old or failed cavity wall insulation

It is estimated that 6 million homes across the UK have had cavity wall insulation installed. CWI is one of the most effective ways to stop heat from escaping through your external walls.

Cavity walls were introduced in the 1930s as a method of protecting moisture from penetrating external walls. If moisture did penetrate the exterior brick, it would not cross into the internal walls of the property.

Over the last 30–40 years, the products that are used to fill wall cavities have evolved to suit the industry and the consumer. Building technology has changed since the 1960s and 1970s, as have the materials that are used to prevent heat loss in the home. If your property has been insulated with expaning foam or mineral wool fibre and your guarantee has expired, we can normally extract your old wall insulation and inject new EPS (expanded polystyrene beads) into the cavity. This type of insulation product is more beneficial and is the most modern and effective.

How do I apply for an ECO4 grant

The Scottish government is committed to reducing emissions released into the environment as part of the national drive to lower carbon levels and hit net zero by 2050. An air source heat pump grant installed with effective home insulation can improve your property’s energy rating by up to two bands. So your EPC can be improved from G to E or E to C and so on.

The higher your energy efficiency rating, the less it should cost to heat your home. A heat pump is seen as one of the most efficient type of heating systems as they do not burn fuel. They collect moisture from the air and compress it to provide heat and hot water.

The temperature of the hot water heated through a heat pump will be a couple of degrees lower than that of a traditional condensing boiler, so your home must be adequately insulated to get the benefit of this type of central heating system. A grant will cover the complete cost of heat pump installation and home insulation if you are eligible.

Parts of Scotland we cover

Although we are based near Edinburgh we have loft and cavity wall insulation surveyors who cover most of Scotland. If you live in southern or central Scotland, we can arrange a free home survey within a day or two. For properties in other Scottish regions, we aim to provide home energy surveys within 1 -2 weeks. From survey to installation, the time scale is approximately 3 weeks.

Apply for an ECO grant in Scotland