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Understanding Insulation Grants in the UK
Learn About Available Insulation Grants and Benefits in the UK

Warma UK has helped thousands of customers improve their homes energy efficiency and reduce their energy bills all with the help of government funded grants. We pride ourselves on our customer service which is as efficient as the products we install! We have a network of engineers located across the UK to ensure that each install is carried out by a local and trusted engineer. This means you get the service and reliability of a national company, with the personal touch of a local trader.
As homeowners, we are all looking for ways to save money and reduce our carbon footprint. One of the best ways to achieve this is through property insulation. The UK government offers several insulation grants to make it easier for homeowners to upgrade their homes. The grants available help to offset the cost of upgrading to better insulation solutions or home upgrades. In this blog post, we will discuss the different insulation grants in the UK and their benefits. We will also look into the Energy Company Obligation (ECO) scheme, Local Authority Delivery (LAD) scheme, and other grants that homeowners with properties in the UK can take advantage of.
Energy Company Obligation (ECO) Scheme
The ECO scheme is a UK government initiative aimed at assisting homeowners in the UK to improve the energy efficiency of their houses, lower their utility bills and minimise carbon emissions. The ECO scheme has two branches: the Home Heating Cost Reduction Obligation (HHCRO) and the Carbon Emissions Reduction Obligation (CERO).
HHCRO provides grants to homeowners to improve their home’s energy efficiency, thereby reducing their heating bills. This scheme covers low-income homeowners and those on certain qualifying benefits. An ECO advisor assesses each household’s needs and how much insulation is required to reduce energy wastage.
The CERO grant, on the other hand, gives funding to eligible homeowners to install wall insulation, loft insulation, or upgrade their boilers with more energy-efficient models. The grant covers homeowners in the middle or higher-income bracket. The amount of funding received by homeowners depends on their area, the amount of work required, and the type of work done.


Energy Company Obligation (ECO) Scheme
The ECO scheme is a UK government initiative aimed at assisting homeowners in the UK to improve the energy efficiency of their houses, lower their utility bills and minimise carbon emissions. The ECO scheme has two branches: the Home Heating Cost Reduction Obligation (HHCRO) and the Carbon Emissions Reduction Obligation (CERO).
HHCRO provides grants to homeowners to improve their home’s energy efficiency, thereby reducing their heating bills. This scheme covers low-income homeowners and those on certain qualifying benefits. An ECO advisor assesses each household’s needs and how much insulation is required to reduce energy wastage.
The CERO grant, on the other hand, gives funding to eligible homeowners to install wall insulation, loft insulation, or upgrade their boilers with more energy-efficient models. The grant covers homeowners in the middle or higher-income bracket. The amount of funding received by homeowners depends on their area, the amount of work required, and the type of work done.

Home Upgrade Grants
Energy Saving Grants are provided by the UK government to homeowners needing to make energy-efficient upgrades to their properties, which are not covered by the ECO scheme. These grants include;
The Home Upgrade Grant covers the cost of improving a home’s energy efficiency by upgrading to double glazing, replacing doors, installing solar panels, or upgrading the heating system.
The HUG scheme is delivered through local authorities but we can help you obtain a grant through this scheme.
The main stipulation of the HUG scheme is that your property needs to be off mains gas meaning you have no gas coming into the property at all.

Home Upgrade Grants
Energy Saving Grants are provided by the UK government to homeowners needing to make energy-efficient upgrades to their properties, which are not covered by the ECO scheme. These grants include;
The Home Upgrade Grant covers the cost of improving a home’s energy efficiency by upgrading to double glazing, replacing doors, installing solar panels, or upgrading the heating system.
The HUG scheme is delivered through local authorities but we can help you obtain a grant through this scheme.
The main stipulation of the HUG scheme is that your property needs to be off mains gas meaning you have no gas coming into the property at all.
Local Authority Delivery (LAD) Scheme
The LAD energy grant is available to qualifying homeowners in England, Scotland, and Wales. It is designed to offer low-income homeowners free insulation, funded by their local authority. Grants range from a completely free insulation grant to a partial grant depending on the home needs. Homeowners can contact their local authority’s energy department for further advice and guidance. The LAD scheme is ideal for homeowners seeking to lower their energy bills significantly.


Local Authority Delivery (LAD) Scheme
The LAD energy grant is available to qualifying homeowners in England, Scotland, and Wales. It is designed to offer low-income homeowners free insulation, funded by their local authority. Grants range from a completely free insulation grant to a partial grant depending on the home needs. Homeowners can contact their local authority’s energy department for further advice and guidance. The LAD scheme is ideal for homeowners seeking to lower their energy bills significantly.
You could save up to £590 annually on your energy bills with an insulation grant
Types of Insulation Grants
In the UK, the government offers three different types of insulation grants for homeowners depending on their eligibility criteria and measures required. These grants include the Energy Company Obligation (ECO), Local Authority Grants, and Green Deal Finance scheme. ECO helps low-income homeowners and vulnerable families, Local Authority Grants help people facing fuel poverty, while Green Deal finance schemes offer flexible financing options to qualified homeowners who want to make energy improvements.
Insulation grants in the UK are an excellent opportunity for homeowners to improve their house’s energy efficiency and save money on utility bills. Insulating your home boosts health, comfort, and property value while contributing to a sustainable environment.
By qualifying and applying for insulation grants, eligible homeowners can take advantage of grants, reduced energy bills, and increased property value. It’s time to take the first step to achieve your dream of having a warm, healthy, and energy-efficient home. Apply for insulation grants in the UK today!
Many properties without any loft insulation stand to save a great deal if loft insulation is installed.
Annual savings that could be achieved (figures from the energy savings trust)
Detached house – £590
Semi-detached – £355
Mid-terrace house – £330
Similarly, installing loft insulation in a detached bungalow with no previous insulation could save £590 each year.
To give more insight, these savings are based on the cost of fuel as of October 2022, and for a gas-heated residence insulated with 270mm of loft insulation.
But the benefits of loft insulation don’t end with financial savings. A typical loft installation can also prevent many kilograms of CO2 emissions. For example, a detached property could save up to 1000kg of CO2 emissions annually, while a semi-detached house may save 610kg and mid-terrace houses could reduce 560kg of CO2 emissions.
Who is eligible for the fully funded measures?
To receive free funding you must be the recipient of one of the following benefits:
- Child Tax Credit
- Income Support
- Income-based jobseeker’s allowance (JSA)
- Income-related employment and support allowance (ESA)
- Pension Credit Guarantee Credit Element
- Personal independence payment
- Universal Credit
- Working tax credit
- Child benefit dependant on income & dependants
&
Your home has an EPC rating of E, F or G (limited funding is available for EPC D rated properties)
You have a total household annual income of £30,000 or less (before housing costs/bills)
Or:
You receive a means-tested benefit (please see above)






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Following your successful application, we will arrange a free, no obligation survey to ensure the maximum grant is obtained and advise you on the best products to reduce your homes energy usage.