ECO4 Scheme: Free Energy Efficiency Grants for UK Homes
The ECO4 scheme (Energy Company Obligation) is a UK government-mandated programme that requires large energy suppliers to fund free or heavily subsidised energy efficiency improvements for low-income and fuel-poor households.
Eligible homeowners and tenants can receive free loft insulation, cavity wall insulation, boiler replacements, heat pumps, and even solar panels – all fully funded through the scheme. ECO4 runs until March 2026.
Quick Answer
The ECO4 scheme provides free energy efficiency measures (insulation, heating, solar panels) to UK households on qualifying benefits or with a low EPC rating. You may also qualify through Local Authority Flexible Eligibility (LA Flex) if you are on a low income and live in a fuel-poor home. The scheme is funded by large energy suppliers and runs until March 2026.
Last updated March 2026
Fact-checked by John Rooney, Solar Energy Editor. Editorial policy
What is the ECO4 scheme?
The Energy Company Obligation (ECO) is a government energy efficiency scheme in Great Britain. Under ECO4, the fourth iteration, large energy suppliers with 150,000 or more domestic customer accounts are legally required to fund energy efficiency improvements in fuel-poor and low-income households. The scheme is administered by Ofgem and regulated by the Department for Energy Security and Net Zero (DESNZ).
“ECO4 takes a whole-house, fabric-first approach. The aim is to bring eligible homes up to at least an EPC band C where practical and cost-effective, delivering lasting reductions in energy bills and carbon emissions.”
Who funds it?
Large energy suppliers (British Gas, EDF, E.ON, OVO, Scottish Power, etc.) are required by law to fund the measures. The cost is spread across all customer bills – estimated at around £30–£40 per year on average energy bills. Individual qualifying households pay nothing for the work.
Fabric-first approach
ECO4 prioritises insulation and draught-proofing before heating upgrades. This “fabric-first” approach reduces heat loss from the building envelope first, making heating systems more effective. Installers must assess the whole home and follow a recommended measure order.
ECO4 at a glance
- Full name: Energy Company Obligation 4 (ECO4)
- Runs: April 2022 – March 2026
- Administered by: Ofgem
- Government department: DESNZ (Department for Energy Security and Net Zero)
- Target: Upgrade fuel-poor homes to EPC band C or above
- Budget: Approximately £4 billion over the scheme lifetime
- Coverage: England, Scotland, and Wales (not Northern Ireland)
Who qualifies for the ECO4 scheme?
There are two main routes to qualify for the ECO4 scheme: receiving a qualifying benefit, or being referred through your local council's LA Flex scheme. Your property must also have an EPC rating of D, E, F, or G (some exceptions exist for social housing).
Route 1: Qualifying benefits
You are eligible if anyone in your household receives one of the following:
- Income-based Jobseeker's Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Pension Credit (Guarantee Credit)
- Universal Credit (with annual household income below £31,000, or £36,000 if you have a child under 5 or receive certain elements)
- Child Tax Credit (income below £18,500)
- Working Tax Credit (income below £18,500)
- Housing Benefit
- Warm Home Discount (Core Group)
Route 2: LA Flex (Local Authority Flexible Eligibility)
Even if you do not receive a qualifying benefit, your local council can refer you under LA Flex if you meet their criteria for fuel poverty. This typically includes:
- Household income below a set threshold (varies by council, often around £31,000)
- Living in a property with an EPC rating of D, E, F, or G
- Vulnerability to the effects of living in a cold home (age, disability, health condition)
- Being in or at risk of fuel poverty (spending more than 10% of income on fuel)
Contact your local council to find out their specific LA Flex criteria. Many councils have an online application form or a dedicated energy team.
| Property Requirement | Private Tenure | Social Housing |
|---|---|---|
| EPC rating | D, E, F, or G | E, F, or G |
| Minimum uplift | Improve by at least 1 EPC band | Improve by at least 1 EPC band |
| Target | EPC band C (where practical) | EPC band C (where practical) |
| Benefits required | Yes (or LA Flex referral) | No benefits needed if EPC is E, F, or G |
How to check your EPC rating
You can look up your property's current EPC rating for free on the GOV.UK EPC register. If your property does not have a valid EPC (they last 10 years), you will need an EPC assessment before applying. Many ECO4 installers can arrange this as part of the process.
What measures are covered under ECO4?
ECO4 covers a wide range of energy efficiency measures. The scheme follows a “fabric-first” approach, meaning insulation is prioritised before heating upgrades. Installers must assess the whole house and follow the recommended measure order to maximise energy savings.
| Measure Type | Examples | Typical Saving |
|---|---|---|
| Loft insulation | Virgin loft insulation, top-up insulation (270mm+) | £200–£350/year |
| Cavity wall insulation | Standard cavity fill, party cavity wall | £200–£400/year |
| Solid wall insulation | External or internal wall insulation | £300–£600/year |
| Underfloor insulation | Suspended floor insulation, solid floor insulation | £60–£130/year |
| Flat roof insulation | Warm roof or cold roof insulation | £150–£250/year |
| Room-in-roof insulation | Insulation of converted loft rooms | £200–£400/year |
| Boiler replacement | New A-rated gas or oil boiler, broken boiler replacement | £200–£400/year |
| Heat pumps | Air source heat pump, ground source heat pump | £300–£600/year |
| Solar PV | Rooftop solar panels (typically 2–4 kWp) | £200–£400/year |
| Heating controls | Smart thermostat, programmer, TRVs | £60–£120/year |
| Draught-proofing | Windows, doors, letterbox, chimney | £30–£60/year |
What you can get
- Multiple measures in one go (whole-house approach)
- All measures fully funded – no upfront cost
- Professional installation by TrustMark-registered contractors
- 25-year guarantees on insulation measures
- New EPC assessment after installation
What is NOT covered
- Double glazing (as a standalone measure)
- General home repairs or maintenance
- Battery storage systems
- EV chargers
- Properties already at EPC band C or above
How to apply for ECO4: step by step
The ECO4 application process is straightforward. You do not apply directly to the government – instead, you work with an approved ECO4 installer or your energy supplier. Here is how it works:
- Check your eligibility: Confirm you receive a qualifying benefit, or contact your local council about LA Flex. Check your property's EPC rating on the GOV.UK EPC register.
- Contact an approved installer or energy supplier: Reach out to a TrustMark-registered ECO4 installer or your energy supplier directly. They will verify your eligibility and start the application process.
- Property assessment: A surveyor will visit your home to assess which measures are needed. They will check the current EPC, identify heat loss areas, and recommend a package of measures.
- Eligibility verification: The installer submits your details to the energy supplier for approval. This includes benefit confirmation (via DWP data sharing) or LA Flex referral from your council.
- Installation: Once approved, a TrustMark-registered installer carries out the work. This can take 1–5 days depending on the measures. All work must meet PAS 2035 standards.
- Post-installation: A new EPC is lodged to confirm the improvement. You receive guarantee certificates for all measures (25-year guarantees for insulation).
How long does the process take?
From initial contact to installation, the process typically takes 4–12 weeks. The main delays are EPC assessments, eligibility verification, and surveyor availability. If you qualify through LA Flex, the council referral can add 2–4 weeks. Start the process as soon as possible – ECO4 is due to end in March 2026.
Check if you qualify for free energy efficiency measures
Get a free eligibility check from an approved ECO4 installer. No obligation.
Check Eligibility ↓ECO4 vs other UK energy efficiency grants
ECO4 is one of several government-backed schemes that help homeowners improve energy efficiency. Here is how it compares to the other main UK energy grants available in 2026:
| Scheme | Funding | Eligibility | Measures | Ends |
|---|---|---|---|---|
| ECO4 | 100% funded (no cost to householder) | Benefits-based or LA Flex; EPC D–G | Insulation, heating, solar PV, heat pumps | March 2026 |
| HUG2 (Home Upgrade Grant) | Up to £25,000 per home | Off-gas-grid homes; household income below £36,000; EPC D–G | Insulation, heat pumps, solar PV, windows | March 2025 (extended to 2025/26 in some areas) |
| BUS (Boiler Upgrade Scheme) | £7,500 grant (air source HP) or £7,500 (ground source HP) | Any homeowner; valid EPC; replacing fossil fuel heating | Heat pumps only (air source, ground source) | March 2028 |
| GBF (Great British Insulation Scheme) | 100% funded (no cost to householder) | Benefits-based or specific Council Tax bands; EPC D–E | Single insulation measures (loft, cavity, underfloor) | March 2026 |
| 0% VAT | 0% VAT (saving 20%) | All UK homeowners | Solar panels, batteries, heat pumps, insulation | March 2027 |
Can I combine ECO4 with other grants?
In some cases, yes. ECO4 measures can be combined with HUG2 for off-gas-grid properties, or with the Great British Insulation Scheme for additional insulation. However, you cannot receive double funding for the same measure. A good installer will advise you on the best combination for your situation. The Boiler Upgrade Scheme (BUS) can sometimes be stacked with ECO4 for heat pump installations.
ECO4 scams and pitfalls to avoid
The ECO scheme has unfortunately attracted some unscrupulous operators. Here is how to protect yourself and ensure you receive quality work:
Red flags to watch for
- Cold callers claiming you are “pre-approved”
- Demands for upfront fees or deposits
- Pressure to sign contracts immediately
- Claims that the scheme is ending “next week”
- No TrustMark or PAS 2035 registration
- No written survey or assessment report
- Asking for bank details to “check eligibility”
How to stay safe
- Only use TrustMark-registered installers
- Verify PAS 2035 compliance
- Never pay upfront – ECO4 is 100% funded
- Get everything in writing before work starts
- Check installer reviews and credentials
- Contact your energy supplier to verify the installer
- Report suspicious activity to Action Fraud (0300 123 2040)
“ECO-eligible consumers should never have to pay for ECO measures. If someone asks you for money upfront, it is likely a scam. Always check that the installer is TrustMark-registered and that the work is being carried out under a legitimate ECO obligation.”
What to do if work is substandard
All ECO4 work is covered by TrustMark's guarantee and must meet PAS 2035/2030 standards. If you experience problems after installation, contact the installer first. If they do not resolve the issue, escalate to TrustMark, your energy supplier, or Ofgem. Insulation measures carry a 25-year guarantee under the TrustMark framework.
ECO4 timeline and key changes
The Energy Company Obligation has evolved significantly since its launch in 2013. Here is the history and what to expect going forward:
| Period | Scheme | Key Features |
|---|---|---|
| 2013–2015 | ECO1 | First iteration; focused on carbon reduction and affordable warmth |
| 2015–2017 | ECO2 | Continued focus with updated targets; increased insulation measures |
| 2017–2018 | ECO2t | Transition period; introduction of LA Flex eligibility |
| 2018–2022 | ECO3 | Focused entirely on affordable warmth; introduced innovation measures |
| 2022–2026 | ECO4 (current) | Whole-house, fabric-first approach; target EPC C; larger budget (£4bn) |
| 2026 onwards | ECO+ / successor TBC | Government has indicated a successor scheme will follow; details pending |
ECO4 is ending in March 2026
The current ECO4 scheme is scheduled to end on 31 March 2026. While a successor scheme is expected, the exact details, funding levels, and eligibility criteria have not been confirmed. If you believe you may be eligible, apply as soon as possible to ensure you benefit from the current scheme.
Key ECO4 changes from ECO3
- Whole-house approach: Installers must assess and treat the whole home, not just individual measures
- Fabric-first: Insulation must be installed before heating upgrades where possible
- Minimum EPC uplift: Measures must improve the EPC rating by at least one band
- PAS 2035 mandatory: All work must meet PAS 2035 retrofit standards
- Expanded LA Flex: Councils have wider discretion to refer households in fuel poverty
- Solar PV included: Solar panels can now be installed as part of the ECO4 package
ECO4 Scheme FAQ
Is the ECO4 scheme genuine?
Yes. ECO4 is a legitimate UK government scheme administered by Ofgem. Large energy suppliers are legally required to fund energy efficiency improvements under the Energy Company Obligation. The scheme has been running since 2013 (currently in its fourth phase) and has upgraded millions of UK homes.
Is the ECO4 scheme really free?
Yes, for eligible households. You do not pay anything for the measures installed under ECO4. The cost is met by energy suppliers as part of their legal obligation. You should never be asked for upfront payments, deposits, or fees. If someone asks for money, it is likely a scam.
Can I get free solar panels through ECO4?
Yes, solar PV panels can be installed as part of an ECO4 package. However, solar is typically only offered after insulation measures have been completed (fabric-first approach). The system size is usually 2–4 kWp. Not all properties will be offered solar — it depends on roof suitability, existing EPC rating, and the installer's assessment.
I am a private tenant. Can I apply for ECO4?
Yes, private tenants can benefit from ECO4. However, you will need your landlord's written permission before work can be carried out. The landlord does not need to pay anything — the measures are fully funded. Both the tenant and the property must meet the eligibility criteria.
Can I get a new boiler through ECO4?
Yes, boiler replacement is covered under ECO4. However, ECO4 follows a fabric-first approach, meaning insulation measures should be installed first where possible. A new boiler may be offered if your current boiler is broken, inefficient (non-condensing), or if insulation alone will not achieve the minimum EPC uplift.
How long does ECO4 installation take?
Installation time varies by measure: loft insulation takes 1–2 days, cavity wall insulation takes 1 day, solid wall insulation takes 1–2 weeks, and a boiler replacement takes 1–2 days. If multiple measures are installed, the work may be phased over several weeks.
What is LA Flex and how does it work?
LA Flex (Local Authority Flexible Eligibility) allows your local council to refer you for ECO4 even if you don't receive a qualifying benefit. Councils set their own criteria based on fuel poverty indicators — typically low household income, poor EPC rating, and vulnerability to cold. Contact your council to check if you qualify.
What is the difference between ECO4 and the Great British Insulation Scheme?
ECO4 is a whole-house scheme targeting fuel-poor homes with multiple measures to achieve at least EPC band C. The Great British Insulation Scheme (formerly ECO+) focuses on single insulation measures for a broader group of households, including those in specific Council Tax bands. You may be eligible for both.
Do I need to be with a specific energy supplier?
No. You can benefit from ECO4 regardless of which energy supplier you use. The obligation falls on the large suppliers, but you do not need to be their customer. Any approved ECO4 installer can apply on your behalf to any obligated supplier.
Will ECO4 continue after March 2026?
The current ECO4 scheme ends on 31 March 2026. The government has indicated that a successor scheme will follow, but the details have not been confirmed. It is advisable to apply before the scheme ends to guarantee access to the current funding and eligibility criteria.
What happens if my application is rejected?
If your application is rejected, ask the installer or energy supplier for the reason. Common issues include: EPC rating too high (already band C or above), not meeting benefit criteria, or landlord permission not obtained. If you were rejected on benefits grounds, ask your council about LA Flex as an alternative route.
Can I choose which measures I receive?
Not entirely. The surveyor will assess your home and recommend the most appropriate measures based on the fabric-first approach and what will achieve the best EPC uplift. You can decline specific measures, but this may affect the overall package and whether the installer can proceed with the application.
Related Guides
Home Insulation
Loft, cavity wall, and solid wall insulation: costs, grants, and savings.
Free Solar Panels
Free solar panel schemes: ECO4, GBIS, rent-a-roof history, and scam warnings.
EPC Upgrades
Improve your EPC rating. Costs, grants, and property value impact.
Whole-House Retrofits
Whole-house energy upgrades with ECO4 and HUG2 schemes.
Sources
- Ofgem: Energy Company Obligation (ECO)
- DESNZ: ECO4 Guidance for Suppliers
- GOV.UK: ECO4 Local Authority Flexible Eligibility
- TrustMark: Government Endorsed Quality Scheme
- GOV.UK: Find an Energy Performance Certificate (EPC)
- The Electricity and Gas (Energy Company Obligation) Order 2022
Last updated: March 2026
John Rooney is the founder of Solar Info and has been covering the UK solar energy market since 2023. He fact-checks all content against official MCS and Ofgem data and maintains relationships with MCS-certified installers across the UK.
Check Your ECO4 Eligibility
Find out if you qualify for free energy efficiency measures under the ECO4 scheme. No-obligation eligibility check.