ECO4 Scheme Explained: Get Free Insulation & Heating in the UK

Introduction to the ECO4 Scheme

Energy costs in the UK have been rising steadily over the past few years, making it harder for households to keep their homes warm without breaking the bank. For low-income and vulnerable households, heating bills can be a significant burden. The ECO4 Scheme (Energy Company Obligation, Phase 4) is a UK Government initiative aimed at tackling fuel poverty, improving energy efficiency, and reducing carbon emissions.

This guide will break down everything you need to know about the ECO4 scheme — from who qualifies, what’s included, how to apply, and tips to maximize your benefits.

What is the ECO4 Scheme?

The ECO4 Scheme is the latest phase of the UK Government’s Energy Company Obligation. It was launched in April 2022 and will run until March 2026. The main aim is to help low-income households and those living in energy-inefficient homes by offering free or heavily subsidized home insulation and heating upgrades.

ECO4 focuses primarily on:

Reducing household energy bills
Improving home energy ratings
Reducing the UK’s carbon footprint

Who Funds the ECO4 Scheme?

The scheme is funded by large energy companies in the UK, who are required by law to contribute towards helping households save energy. These companies work with approved installers to deliver upgrades at no cost to eligible households.

What’s Included in the ECO4 Scheme?

Under the ECO4 Scheme, you may be eligible for:

Loft Insulation – Keeps heat from escaping through your roof
Cavity Wall Insulation – Prevents heat loss through walls
Solid Wall Insulation – Ideal for older properties with solid brick walls
Boiler Upgrades – Replace inefficient boilers with energy-efficient models
First-Time Central Heating – For homes without existing central heating
Renewable Heating Systems – Such as air source heat pumps
Room-in-Roof Insulation – For converted attic spaces

Eligibility Criteria for ECO4

You may qualify for the ECO4 Scheme if:

You receive certain benefits, such as:
- Income Support
- Pension Credit
- Universal Credit
- Housing Benefit
- Child Tax Credit
You live in an energy-inefficient home, typically with an EPC rating of D, E, F, or G.
You are a homeowner or private tenant (with landlord’s permission).
You are in fuel poverty or at risk of it.

How to Apply for the ECO4 Scheme

Check Your Eligibility – Use an online eligibility checker or contact an approved ECO4 installer.
Book a Free Home Survey – An energy assessor will check your home’s EPC rating and suggest improvements.
Get Approval – Once approved, the installation is scheduled at no cost to you.
Installation – Professional installers will complete the work, often in just a few days.

Benefits of Applying for the ECO4 Scheme

Lower Energy Bills – Upgrades can save you hundreds per year
Warmer Home – No more cold drafts in winter
Increased Property Value – Better EPC ratings can make your home more appealing
Eco-Friendly – Reduced carbon footprint

ECO4 vs ECO3: What’s Changed?

The ECO4 Scheme replaced ECO3 with several key updates:

Higher focus on whole-house efficiency upgrades
Stricter energy rating improvements
More support for low-income households
Extended support for renewable energy solutions

Tips to Maximise Your ECO4 Application

Combine Upgrades – Apply for both insulation and heating improvements
Act Fast – The scheme is only funded until March 2026
Use Approved Installers – Only work with certified ECO4 providers to avoid scams

Common Myths About the ECO4 Scheme

Myth 1: “It’s too good to be true.”
✅ Truth: It’s a government-backed scheme funded by energy companies.

Myth 2: “Only homeowners can apply.”
✅ Truth: Tenants can apply with landlord permission.

Myth 3: “The process takes months.”
✅ Truth: Many upgrades are installed within weeks.

Conclusion

If you are struggling with high energy bills or living in a cold home, the ECO4 Scheme can be a game-changer. It’s free, government-backed, and available now. The process is simple — check if you qualify, book your survey, and enjoy a warmer, more energy-efficient home.