Energy Saving Grants | Government Grants for Energy Efficiency

Can You Get Free Loft Insulation if Not on Benefits?

Are you pondering the question, ‘Can you get free loft insulation without benefits?’ If so, you’re not alone. Many homeowners across the UK are curious about whether they can access loft insulation without the constraint of being on benefits. 

This essential guide delves into the world of energy efficiency, providing you with all the information you need to understand the opportunities available for free loft insulation. 

Whether you’re a homeowner looking to reduce energy bills or simply interested in making your home more eco-friendly, we’ve got you covered. Let’s unravel the myths and facts about loft insulation and discover how you can benefit from this energy-saving solution, regardless of your benefits status.

Can You Get Free Loft Insulation Grants?

‘The good news is, many homes in the UK can get government grants covering up to 25% of the cost of adding external wall insulation. This is possible even if you don’t receive benefits or have a low income.

But, if you’re looking to insulate your house completely free of charge, there are specific requirements you need to meet.

Your home must meet specific conditions to be eligible for a full grant for either cavity wall or loft insulation. These include:

  • Being a residential property.
  • Having insulation that meets a certain standard.
  • You must own the home or have the owner’s permission.
  • It must be your primary residence, meaning you live there for at least six months yearly.

These grants are part of the ECO scheme currently offered by the government.

The ECO Scheme

The Energy Company Obligation (ECO) scheme, launched in 2013, is a government-led program designed to combat fuel poverty and ensure homes are adequately heated. This initiative enables homeowners to apply for various grants; since these are grants, there’s no need to pay the money back.

While some households might get enough funding to cover the installation cost, others might not qualify for a full grant and will have to pay some expenses.

The ECO scheme grants different insulation types, such as loft insulation, internal wall insulation, and room-in-roof insulation.

The Differences Between the Great British Insulation Scheme and ECO4

The ECO4 Scheme targets low-income households receiving government benefits, including Income-based Jobseekers Allowance, Universal Credit, Income Support, and Child Tax Credits.

In contrast, the Great British Insulation Scheme, previously known as the ECO+ Scheme, is designed for those without government benefits. It focuses on homes with an Energy Performance Certificate (EPC) rating of D or lower and situated in areas with lower Council Tax bands.

Eligibility Requirements for a Free Loft Insulation Grant

To get a free loft insulation grant under the ECO4 Scheme, a resident of the home must be receiving one of the following benefits:

  • Child Benefit, subject to household income limits.
  • Child Tax Credit.
  • Employment and Support Allowance (ESA).
  • Housing Benefit.
  • Income Support.
  • Income-based Jobseekers Allowance (JSA).
  • Pension Credit Guarantee Credit.
  • Pension Credit Savings Credit.
  • Universal Credit.
  • Working Tax Credit.

Homes with an annual gross income of £31,000 or less are eligible for this grant funding.

Can you get free loft insulation grants if not ion benefits?

Yes, you can still qualify for free loft insulation grants even if you’re not receiving benefits. The availability of these grants often depends on factors like your home’s energy efficiency, the type of property you own, and sometimes your local council’s specific schemes. 

For example, the Great British Insulation Scheme, distinct from the ECO4 Scheme, targets households without government support but living in homes with an EPC rating of D or lower. These initiatives are designed to improve home energy efficiency across various demographics, not limited to those on benefits.

Can I Get A Free Loft Insulation Grant As A Pensioner?

The government provides various aid and grants for pensioners to manage energy expenses and insulation costs.

Among these is the Winter Fuel Payment, a yearly payment ranging from £150 to £300, intended to help with heating expenses during winter.

Eligibility criteria for the Winter Fuel Payment include:

  • Being at least 66 years old (born on or before 25 September 1956).
  • Residing in the UK, Channel Islands, or the Isle of Man during the winter.
  • Receiving a qualifying benefit, such as Pension Credit, Universal Credit, or Employment and Support Allowance.

After the initial application, this payment is issued automatically in subsequent years.

How to Apply for a Free Loft Insulation Grant

The free loft insulation grant application process is straightforward and starts with our simple online form. Here’s what to do:

  1. Check your eligibility by filling out an inquiry on our form. If you’re in England, verify your EPC rating on the website, or use the Scottish EPC Register if in Scotland.
  2. After submitting your inquiry, a certified insulation installer will contact you to schedule a survey.
  3. If you agree, the installation will be arranged at a time that suits you.

The installation is free if you qualify for certain income-related benefits, as the grant covers all costs for loft insulation. However, in some complex cases, a small contribution might be needed.

Even if you don’t qualify for a full grant, it’s beneficial to apply as you could receive a partial grant to help with the costs. Additionally, you might be eligible for other grants, like those for heat pumps or solar panels.


In conclusion, accessing a free loft insulation grant in the UK is a viable option for many, regardless of whether they receive benefits. The government’s ECO4 Scheme and the Great British Insulation Scheme provide opportunities for a wide range of households, including those on a low income or pensioners.

While some may qualify for fully-funded insulation, others might still benefit from partial or energy-efficient home improvement grants. Ultimately, these schemes help reduce energy bills and contribute to a more sustainable and environmentally friendly lifestyle. Therefore, it’s well worth exploring these options to improve your home’s insulation and energy efficiency.

Read more: Free UK Government Grants for Private Tenants

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