Introduction: What Is the ECO4 Scheme and Why Apply?
The ECO4 Scheme is part of the UK government’s Energy Company Obligation initiative, designed to help low-income households improve energy efficiency, reduce heating costs, and lower carbon emissions.
It provides free or heavily subsidised upgrades such as:
- New A-rated boilers
- Cavity wall insulation
- Loft insulation
- Air source heat pumps
- First-time central heating systems
With energy bills still high in 2025, applying for the ECO4 scheme can save households hundreds of pounds each year.
This guide will walk you through exactly how to apply online, step-by-step, so you have the best chance of approval.
Step 1: Check If You’re Eligible
Before you start the ECO4 application process, you need to check eligibility criteria.
ECO4 Eligibility Factors:
- Income and Benefits
You may qualify if you or someone in your household receives:- Universal Credit
- Pension Credit (Guarantee or Savings Credit)
- Housing Benefit
- Income Support
- Child Tax Credit
- Jobseeker’s Allowance (JSA)
- Employment and Support Allowance (ESA)
- Property Type and EPC Rating
- Your property must typically have an EPC rating of D, E, F, or G.
- Owner-occupied homes and privately rented properties may be eligible.
- Social housing may also qualify if it meets energy performance requirements.
- Heating Situation
- Old or broken boilers
- No central heating system
- Poor insulation
Step 2: Gather Required Documents
To apply for ECO4, you’ll need to provide proof of eligibility. This helps speed up your application.
Commonly required documents include:
- Proof of benefits (award letters)
- Proof of income (if applicable)
- Recent energy bills
- Proof of property ownership or tenancy agreement
- EPC certificate (if available)
Step 3: Find an Approved ECO4 Installer
The ECO4 scheme is not applied for directly through the government.
Instead, you apply via an approved installer or energy provider.
Tips to choose the right installer:
- Look for companies listed on Ofgem’s approved register.
- Check reviews on Trustpilot or Google.
- Ask if they handle the full application process for you.
- Confirm they provide a free survey.
Step 4: Complete the Online Application
Most installers offer an online form that takes 5–10 minutes to fill out.
Here’s what you’ll typically need to provide:
- Full name and contact details
- Address and postcode
- Property type
- Current heating system details
- Benefits or income details
- Consent to check your eligibility
Step 5: Home Energy Assessment
Once your online application is submitted, the installer will arrange a home survey.
During the survey:
- They will assess your property’s insulation, heating system, and EPC rating.
- Identify which upgrades you qualify for.
- Explain the installation process and timeline.
Step 6: Installation Process
After approval:
- Installers will book a convenient date.
- Work may take from 1 day for a boiler to several days for full insulation upgrades.
- All work will be compliant with building regulations and Ofgem guidelines.
Step 7: Post-Installation Checks
Once the installation is complete:
- Your installer will provide warranty information.
- An updated EPC certificate may be issued.
- You’ll enjoy lower energy bills and a warmer home.
Common Mistakes to Avoid When Applying
- Not providing full documentation – causes delays.
- Choosing unapproved installers – risk of rejection.
- Applying without checking EPC rating – some properties are ineligible.
- Not confirming grant coverage – in rare cases, partial payment may be needed.
Benefits of Applying for ECO4
- Free upgrades worth thousands of pounds
- Lower energy bills for years to come
- Increased property value
- Reduced carbon footprint
- Better home comfort and health
FAQ: ECO4 Scheme Application
Q: Can I apply if I rent my home?
Yes, but you’ll need your landlord’s permission.
Q: How long does approval take?
It can take 2–6 weeks depending on the installer and documentation speed.
Q: Do I have to pay anything?
In most cases, it’s free for eligible households. Some may need to contribute if extra work is required.