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Is ECO4 Funding Right For Me?

The Energy Company Obligation (ECO) has been a beacon for homeowners wanting to enhance the energy efficiency of their homes.

Its newest iteration, the ECO4 funding scheme, is specially tailored for vulnerable and low-income households, offering them the financial support they need to adopt energy-saving measures.

If you're considering whether ECO4 is the right fit for you, read on. We will delve into the specifics of the ECO4 scheme, its eligibility parameters, and the steps to secure financial aid.

What Is ECO4 Funding?

ECO4 funding is an initiative sponsored by the government, designed to offer free and optimized heating and insulation solutions for households on a tight budget. Succeeding the ECO3 program, ECO4 covers installations beginning in April 2022 and will continue until March 2026.

At its core, ECO4 seeks to help vulnerable homes without proper heating and insulation, with a particular emphasis on properties rated in the efficiency bands E, F, and G.

Who Qualifies For The ECO4 Grants?

For ECO4 grant eligibility, you need to fulfil the following conditions:

  • Be a homeowner or a tenant.

  • Ensure your home possesses an EPC rating not exceeding band D.

Confirm receipt of any of the subsequent benefits within the 18 months preceding the installation:

  • Child Benefit* (Note: For those claiming only Child Benefit, additional income criteria must be met. However, this is not required if any other listed benefit has been claimed.)

  • Child Tax Credits

  • Housing Benefit

  • Income-Based Employment and Support Allowance (ESA)

  • Income-Based Jobseekers Allowance (JSA)

  • Income Support

  • Pension Credit (Guarantee Credit)

  • Pension Credit (Savings Credit)

  • Universal Credit

  • Working Tax Credits

Align with your local authority's 'LA Flex' standards. Particularly, if your household's annual income is below £35,000 and you are considered vulnerable or have a medical condition, it's advised to verify your eligibility.

When Can You Access ECO4 Grants?

The ECO4 program is available and funded up until March 2026. To benefit from this grant, you must approach a registered installer. Only registered installers are trained to guide the grant scheme and can lodge applications for you.

What Does The ECO4 Funding Cover?

ECO4 grant covers the following range of insulation and heating upgrades:

  • First Time Central Heating: Installation of heating systems in homes that previously didn't have central heating, ensuring consistent warmth.

  • Inefficient Gas Boiler Replacement: Changing out old, wasteful gas boilers with modern, energy-efficient models to save energy and reduce costs.

  • Air-Source Heat Pump: Devices that extract heat from the air to warm the home, providing an eco-friendly alternative to traditional heating systems.

  • Solar PV: Photovoltaic solar panels that convert sunlight into electricity, promoting renewable energy use and lowering electricity bills.

  • High Heat Retention Storage Heaters: Advanced heaters that store heat for longer periods, ensuring rooms stay warm with reduced energy consumption.

  • Room in Roof/Loft Insulation: Insulating spaces between the loft or attic roof to retain warmth, preventing heat loss and lowering heating costs.

  • Cavity Wall Insulation: Filling the gaps between external walls with insulating material, providing a barrier against cold and helping maintain indoor temperatures.

  • Internal Wall Insulation: Adding insulating layers to the inner surfaces of external walls enhances thermal comfort and energy efficiency inside homes.

Benefits Of ECO4 Funding Scheme

Embracing the ECO4 scheme can not only help reduce your energy expenditures but also enhance the comfort of your dwelling, making it more cost-effective to warm. Additionally, the scheme brings forth several other perks:

  • Boosting your property's worth.

  • Elevating your home's energy efficiency and making it more environmentally conscious.

  • Diminishing your environmental impact and carbon emissions.

  • Contributing positively to environmental preservation.

  • For those who qualify, the grants can be remarkably beneficial, covering the entire expense of your energy-conservation enhancements.

How Can I Apply For ECO4 Grants?

The application procedure is straightforward and can be completed in under 30 seconds. Begin by filling out an application form or getting in touch with a certified installer.

They will evaluate your property, suggest the best energy-saving measures tailored for you, and outline your available options. Alongside an energy evaluation of your residence, they also provide complimentary ventilation and insulation assessments.

Once the preliminary assessment is done, a representative will offer you a custom report detailing the estimated costs and benefits of the suggested interventions. If you decide to move forward, a surveyor will be scheduled to visit your home for a more comprehensive assessment.

How does ECO4 differ from ECO3?

ECO4 introduces several notable changes compared to ECO3. Firstly, ECO4 expands the array of measures or grants available, potentially offering more significant financial support for home improvements.

Unlike ECO3, ECO4 adopts a comprehensive, 'whole-house' approach to energy conservation.

The qualifications based on benefits have been revised, and there's now a broader provision for individuals not on benefits. While only 10% of ECO3 applicants could apply under flexible energy rules, ECO4 allows up to 50% without relying on benefit claims.

Additionally, ECO4 mandates an Energy Performance Certificate (EPC) rating of D or below, a requirement absent in ECO3.


The introduction of the ECO4 funding scheme signifies a progressive step towards more inclusive and comprehensive energy efficiency measures for homeowners. Building upon the foundation set by ECO3, ECO4 offers an extended range of grants, adopts a holistic approach to energy conservation, and broadens its reach to a more significant population segment.

By emphasizing both energy efficiency and the well-being of households, ECO4 ensures that more individuals can enjoy warmer homes, reduced energy bills, and a minimized carbon footprint.

As we move towards a greener future, understanding and leveraging schemes like ECO4 become crucial for homeowners to align with environmental goals while benefiting personally and economically.

Also Read: Boost Energy Efficiency with Internal Solid Wall Insulation: 5 Powerful Tips

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Please ensure that all information provided below is 100% accurate. Any errors in your personal information could delay or prevent you qualifying for a government funded grant.

Please note that you do not necessarily need to be in receipt of tax credits or benefits as we still may be able to obtain funding for you via your Council or through other funding schemes.

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