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Insulation Grant Checker

See whether your property may qualify for free or part-funded insulation under UK schemes such as ECO4 and the Great British Insulation Scheme.

Short answer

Insulation grants come from two routes: ECO4 (low-income / benefits households, EPC D–G) and the Great British Insulation Scheme (GBIS) (households in EPC D–G in council tax bands A–D in England, A–E in Scotland/Wales). GBIS is broader — you don't need benefits. It typically funds one measure: cavity wall, loft, room-in-roof or solid wall insulation.
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Your home

Calculation method, coverage and version

Inputs used
Property type, Wall type, Loft insulation status, EPC rating, Council tax band (England & Wales), Anyone receiving qualifying benefits?.
Calculation approach
The calculator applies the rules and assumptions described in “How it works” to the values you enter. Rounding can cause small differences from an official or provider calculation.
Coverage
Home Grants & Energy. UK nations, tax treatment, local rules and provider criteria can differ; check the official sources shown below before acting.
Content version
No page-specific review date is currently published. Treat the result as indicative and verify current rules independently.
Not included unless explicitly requested: personal circumstances not entered, provider discretion, future rule changes, professional fees and case-specific exceptions. Read the full calculator methodology.

Primary sources and official verification

Use these official sources to verify current rules before acting. Coverage and dates can differ across England, Scotland, Wales and Northern Ireland.

See the sitewide source policy.

How it works

The checker scores three signals: tenure (owner / private tenant), EPC band, and household indicators (council tax band, benefits, income). Owners and private tenants in lower council tax bands with EPC D–G qualify for GBIS; benefits households also unlock ECO4's wider scope (multiple measures, boiler replacement).

Worked example

Owner-occupier in a band C council tax property, EPC D, no benefits → likely eligible for GBIS — free cavity wall insulation worth £1,200–£2,500. The same home with someone on Universal Credit unlocks ECO4 too — multiple measures plus potential boiler replacement.

Who should use this

  • •Owners and private tenants in lower council tax bands
  • •Households with EPC D, E, F or G
  • •People on means-tested benefits (full ECO4)
  • •Pensioners on Pension Credit

Common mistakes

  • ×Paying upfront — both GBIS and ECO4 are free at point of use
  • ×Cavity wall insulation in flood-prone or exposed coastal homes (damp risk)
  • ×Not getting written landlord consent first
  • ×Going with cold-callers instead of TrustMark-registered installers

Frequently asked questions

What's the difference between ECO4 and GBIS?▾

ECO4 is means-tested but funds multiple measures including boilers. GBIS is broader (no benefits needed) but typically funds one measure.

Will it cause damp?▾

Properly installed insulation in suitable homes does not cause damp. A pre-install survey checks for moisture and ventilation issues.

Can flats apply?▾

Yes — both GBIS and ECO4 cover flats, though some measures need freeholder consent.

Related calculators

ECO4 Scheme Checker →Boiler Grant Eligibility Checker →EPC Improvement Planner →Energy Bill Savings Calculator →