What is the ECO4 Grant for Homeowners and Renters?

Rising energy prices and aging housing stock have made it harder for many UK households to keep their homes warm without overspending. Millions live in properties that leak heat, have outdated heating systems, or lack proper insulation—pushing bills even higher during colder months. To help tackle this, the government launched the ECO4 scheme, which requires major energy suppliers to fund energy-saving home improvements for eligible residents.

The goal is simple: lower energy consumption, improve household efficiency, and ease the financial pressure on those most affected. Importantly, the scheme supports both homeowners and private renters, offering practical upgrades at little to no cost.

Read on to find out exactly what the ECO4 grant is, how it works, and whether you can benefit from it.

Understanding the ECO4 Scheme

The ECO4 grant is part of the broader energy company obligation, a government initiative that requires large energy suppliers to help reduce household energy use across the UK. Under this scheme, suppliers fund targeted home improvements aimed at making properties more efficient, especially for those facing high heating costs. ECO4, which runs through March 2026, places stronger emphasis on improving entire homes rather than offering piecemeal upgrades.

This phase of the program prioritizes lasting improvements that address the root causes of fuel poverty. It supports coordinated work across multiple areas of a home, including insulation, ventilation, and heating systems, depending on what each property needs. Through this approach, the scheme aims to raise energy efficiency standards while helping vulnerable households maintain safe, comfortable living conditions. 

Who Is Eligible for ECO4?

The ECO4 scheme is designed to support households facing high energy bills, especially those on lower incomes. A key requirement is receiving income-based benefits like Universal Credit, Pension Credit, or Housing Benefit—indicators that a household may be more vulnerable to fuel poverty. For renters, the scheme is still accessible as long as they meet the criteria and have landlord approval before any work begins.

Eligibility is also influenced by the condition of the property. Homes with lower Energy Performance Certificate (EPC) ratings—particularly those rated E, F, or G—are prioritized under ECO4. These properties tend to lose heat faster and are more expensive to heat, making them strong candidates for upgrades like insulation, heating system replacements, or renewable energy installations.

To find out if you meet the criteria, it’s best to visit a trusted source that outlines ECO4 eligibility and provides access to the official application process. These resources clarify which benefits qualify, what property conditions apply, and how to move forward if you think your home could benefit from the ECO4 energy efficiency grant scheme. 

What Improvements Does ECO4 Cover?

The ECO4 scheme supports targeted upgrades that reduce heat loss, improve heating efficiency, and lower energy bills over time. Each improvement is selected based on the home’s current condition and its potential for a better EPC rating.

Below are three key improvements covered under the scheme:

• Cavity wall insulation and solid wall insulation: These upgrades help prevent heat from escaping through external walls. Cavity wall insulation suits homes with wall gaps, while solid wall insulation is used for older properties with solid walls. Both options ease the load on heating systems and cut overall energy use.
• Boiler replacements and air source heat pumps: The scheme funds new boilers to replace inefficient models, helping reduce fuel consumption. In off-gas areas, air source heat pumps offer an alternative by drawing heat from outside air. These systems provide steady warmth and work well with upgraded insulation.
• Solar panels and renewable energy systems: Solar panels generate electricity from sunlight, reducing reliance on the grid. As a renewable energy source, they can lower power bills and support more efficient energy use. This upgrade also helps improve the home’s long-term EPC rating.

These upgrades are designed to work together to improve efficiency, raise the property’s EPC rating, and help eligible households lower their long-term energy costs.

How to Apply for the ECO4 Grant

Applying for the ECO4 scheme is a simple process when handled through an approved installer. These providers guide you through each step, from checking eligibility to completing the upgrades.

The following steps outline how the application process usually works:

• Find an approved installer: Use official government websites or trusted ECO4-accredited providers to locate a qualified installer in your area. Choosing a registered company ensures the process stays compliant and that you receive the right support from start to finish.
• Schedule a property assessment: Once you’ve connected with an installer, they’ll arrange a visit to inspect your home. The assessment helps determine what improvements are needed based on your current energy setup, condition of the property, and EPC rating.
• Verify eligibility: During or after the assessment, the installer will ask for documentation to confirm eligibility. This typically involves checking benefit status, household income, and the home’s existing energy performance.
• Review and approve the plan: If you qualify, the installer will provide a proposal outlining the upgrades they recommend. After you review and agree to the plan, they’ll schedule the work at a convenient time.
• Installation and final checks: The installer carries out the approved upgrades and may follow up with a post-installation check or updated EPC rating. This ensures the work meets the scheme’s standards and delivers the expected results.

There’s no cost to apply, and for those who qualify, the upgrades themselves are fully funded through the ECO4 scheme.

Final Thoughts

The ECO4 grant offers a practical opportunity for homeowners and private renters to improve their living conditions while cutting down on energy bills. If you meet the criteria, you could benefit from upgrades that make your home warmer, more efficient, and easier to afford. Don’t wait until winter—start the process now to see if you qualify for energy-saving improvements under the ECO4 scheme.