What does ECO4 actually cover?

The full range: cavity wall insulation, loft insulation, solid wall insulation, boiler replacements, heat pumps, solar panels, heating controls, draught-proofing. Your surveyor assesses what your home needs and recommends a package. You don't get to pick and choose, but you also don't pay for any of it.

How much does ECO4 cost me?

Nothing. If you're eligible, the energy supplier funds the entire installation. That's the legal obligation the government places on the big six energy companies. There's no deposit, no monthly payment, no catch in the small print.

Can I get ECO4 if I rent?

Yes, both private tenants and social housing tenants can qualify. Your landlord needs to give permission for the work, but the funding still comes from the energy supplier, not from your landlord or from you.

31 December 2026. That's a hard deadline. The government has earmarked £1.5 billion from the Warm Homes Plan as replacement funding from 2027/28, but what that replacement looks like hasn't been confirmed. If you think you qualify, apply before December rather than gambling on what comes next.

What if I earn just above the benefit threshold?

Your council can still refer you through ECO4 Flex. This route covers households with income under £31,000, or people with health conditions made worse by living in a cold home. It's worth asking your local authority even if you don't receive qualifying benefits directly.

Open

Until 31 December 2026

Last reviewed: April 2026By Eco Home Check Editorial Team

ECO4

If you're on Universal Credit or Pension Credit, your energy supplier could fund a full heating and insulation upgrade. No catch, no upfront cost. ECO4 covers everything from cavity wall insulation to heat pumps, and it's available across England, Wales, and Scotland until December 2026.

Grant amount

Fully funded for eligible households

Am I eligible?

This is the section most people came here for, so let's get straight to it.

ECO4 is means-tested. The quickest route in is through qualifying benefits: Universal Credit, Pension Credit, Child Tax Credit, Working Tax Credit, Income Support, income-based JSA, or income-related ESA. If you receive any of these, you almost certainly qualify. Your property also needs an EPC rating of D, E, F, or G, but since about 55% of homes in England fall into those bands according to , that's not the barrier people think it is.

ECO4

Am I eligible?

Check if you qualify for the ECO4

How much do you get?

How do I apply?

What's the catch?

Key Details

Frequently Asked Questions

What does ECO4 actually cover?

How much does ECO4 cost me?

Can I get ECO4 if I rent?

When does ECO4 end?

What if I earn just above the benefit threshold?

Source

Related Grants

Guides and further reading