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Insulation grants in Scotland

Free or part-funded loft, cavity wall, underfloor and wall insulation for eligible households. We work with TrustMark registered installers, so we can help you apply and get the work done once funding is awarded.

Home insulation grants Scotland

Cavity wall grants · Loft grants

Who qualifies for an insulation grant?

More people than you'd think. Scotland has one of the strongest funding landscapes in the UK, with several overlapping routes run by the Scottish Government, Home Energy Scotland, energy suppliers and local councils. Which one applies depends on your income, benefits, EPC rating and where you live.

You're very likely to qualify for something if any of these apply:

  • You receive a means-tested benefit such as Universal Credit, Pension Credit, Housing Benefit, income-based JSA or ESA, Income Support, Child Tax Credit or Working Tax Credit.
  • Your household income is below the scheme threshold, even if you're not on benefits.
  • Your home has an EPC rating of D, E, F or G.
  • You're over 60, have a long-term health condition or a disability, or have young children at home.
  • Your loft has no insulation, or less than 100mm, or your cavity walls are unfilled.

Funding rules change often. Schemes open, close and get extended with little notice. The quickest way to get a straight answer is to call us on 0800 069 9339 – it takes a couple of minutes and there's no obligation.

The main schemes

Warmer Homes Scotland

The Scottish Government's flagship scheme, delivered through Home Energy Scotland. Funds insulation and heating improvements for households on lower incomes or in fuel poverty. Unlike ECO4 it uses an income threshold rather than a strict benefits test, so many working households qualify. A rural uplift is available for rural and island homes to cover higher costs.

Home Energy Scotland grant and loan

Available to homeowners and to private tenants who've lived in the property for at least six months. For loft, floor or cavity wall insulation you can apply for up to £2,000 (a £1,500 grant plus an optional £500 loan). You'll need a quote from an approved installer to support the application, which we provide.

ECO4

The Energy Company Obligation, funded by the big energy suppliers. Free insulation for homeowners and private tenants on qualifying benefits with a home rated EPC D or below. ECO4 is in its final phase and due to close at the end of 2026, with funding running down, so if you think you qualify it's worth moving quickly.

ECO Flex (local authority flex)

A council-led route into ECO4 for people who aren't on benefits but are on a lower income (historically under £31,000) with an EPC rating below D. Available in participating council areas including North Lanarkshire, South Lanarkshire and Renfrewshire, where our partners are approved installers.

Area Based Schemes

Scottish Government-funded programmes run by local councils, targeting particular streets and neighbourhoods for bulk insulation work. If your area is in a current scheme you may get insulation fully funded regardless of benefits. We'll check.

Great British Insulation Scheme (closed)

GBIS funded single insulation measures for homes in council tax bands A–E with an EPC of D or below. It closed to new applicants in January 2026 and ended on 31 March 2026. If you missed it, Warmer Homes Scotland or ECO4 are the routes to check.

Grants for pensioners

Most pensioners qualify. Grants are available to people over 60 receiving Pension Credit Guarantee or Savings Credit, and Warmer Homes Scotland gives priority to older households. Both homeowners and renters are eligible. It's worth checking now in case the rules change.

Grants for people with disabilities or health conditions

Households where someone has a disability or long-term health condition are prioritised under Scottish schemes. The Disabled Facilities Grant on its own doesn't qualify you for ECO4, but if you also receive a qualifying benefit you may get a full grant for insulation and heating upgrades.

Landlords and tenants

Private tenants who've lived in the property for six months or more can apply for Home Energy Scotland funding with the landlord's agreement. Landlords and businesses that own rental homes can access the Private Rented Sector Landlord Loan for insulation and heating improvements.

Small businesses and community buildings

Separate funding exists for commercial premises, churches, halls and clubs through Business Energy Scotland, CARES and local council funds. See our commercial insulation page.

How applying works

  1. Quick call

    Two minutes on the phone to check which scheme fits your circumstances.

  2. Free home survey

    We assess the loft, walls and floor and tell you which measures make the biggest difference.

  3. Application

    We provide the installer quote and help with the paperwork and evidence the scheme needs.

  4. Install

    Once funding is confirmed, our TrustMark registered installer partners fit the insulation and sign off the work.

Borescope survey of a cavity wall before a grant-funded install

Every job starts with a proper survey, grant-funded or not.

Insulation grants by area

Edinburgh · Glasgow · Fife · Dundee · Aberdeen & Aberdeenshire · Perth & Kinross · Stirling & Clackmannanshire · Falkirk · West Lothian · Ayrshire · Inverness & the Highlands · Lanarkshire · Caithness · Moray · Isle of Skye · Argyll & Bute · Scottish Borders · Dumfries & Galloway · Angus · East Lothian · Midlothian · Renfrewshire & Inverclyde · Dunbartonshire

Grant questions

Is the Great British Insulation Scheme still open?

No. GBIS closed to new applications in January 2026 and ended on 31 March 2026. If you were counting on it, Warmer Homes Scotland and ECO4 are the routes to look at now, and we can check both for you.

Do I need to be on benefits to get a grant?

Not always. ECO4 requires qualifying benefits, but Warmer Homes Scotland has an income threshold rather than a benefits test, and council ECO Flex routes can accept households earning under a set amount with a poor EPC rating.

Do I have to be the homeowner?

Homeowners and private tenants can both apply for most schemes. Tenants need the landlord's permission, and there are separate landlord loans for rental properties.

What do I need to apply?

Usually a quote from an approved installer, your EPC rating if you have one, proof of address and, depending on the scheme, evidence of benefits or income. We help with all of it.

What does TrustMark registered mean?

TrustMark is the government-endorsed quality scheme. Installs funded by government schemes must be carried out by TrustMark registered businesses. Our installer partners for grant-funded work are registered.

Get a free insulation grant eligibility check quote

Fill in the short form and one of the team will call you within 48 hours to arrange a no-obligation survey at your home. If you'd rather talk now, call 0800 069 9339.

The EPC, council tax band and benefits questions are optional – they just let us check grant eligibility before we visit.

We'll only use your details to get back to you about your enquiry (privacy). Prefer to talk? 0800 069 9339

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