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Grants and schemes to help you save money on energy bills

You may be able to get help with the cost loft or wall insulation, glazing, boiler repairs or replacements to cut down on energy bills.

This page explains the main government scheme called the Energy Companies Obligation (ECO). This helps low income households and properties that are harder to treat. If you're eligible, you can get this help from any energy supplier, whether or not they supply energy to you.

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Checking what help you may get

For a quick check you can also use a grants calculator to see what help you may be able to get with energy costs including help under the ECO scheme and other grants help: www.gov.uk.

How the Energy Companies Obligation scheme can help

Under the Carbon Saving Communities Obligation (CSCO) - it provides help with insulation and glazing if you:

  • live in a specified postcode area or
  • live in a low-income household in a rural area. This means you live in a population of under 10,000 homes and get or someone who lives with you gets the same benefits as you need for the Affordable Warmth Scheme.

Under the Carbon Emissions Reduction Obligation (CERO) - it provides help with cavity wall insulation, loft insulation and solid wall insulation for homes that do not have a cavity wall. You do not have to be getting benefits to get this support.

Under the Home Heating Cost Reduction Obligation (HHCRO) – the Affordable Warmth Scheme - it provides help with all or part of the cost of loft or cavity wall insulation or boiler repairs or replacements if you:

  • own your home outright or have a mortgage or are a tenant in a privately owned property and
  • get or someone who lives with you gets certain benefits under the Affordable Warmth Scheme.

If you are a social housing tenant you can’t get this help but you may be able to get help under CSCO.

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Making your home more energy-efficient won’t just reduce your bills. It will also create warmer homes and lead to improved health and well being for all the occupants.

Benefits you must get to be eligible for help under the Affordable Warmth Scheme

You're eligible for the Affordable Warmth Scheme if you or someone who lives with you gets the following benefits:

  • State Pension Credit or
  • Child Tax Credit (if your income is £15,860 or less)

OR, a combination of these benefits:

One of these:

  • Income based Job Seeker’s Allowance
  • Income related Employment and Support Allowance only and not getting a work related activity or support component. If you're getting a work related activity or support component, then you don't need to meet the additional qualifying criteria in the list below such as parental responsibility, pensioner premium etc
  • Income Support.

Plus at least one from this list must apply:

  • Disabled Child Premium
  • responsibility for a child under 16 years of age, who lives at the property
  • responsibility for a child aged 16 or over but under 20, who lives at the property and is in full-time education (not in higher education, such as at a university)
  • Pension Premium, Higher Pensioner Premium or Enhanced Pensioner Premium
  • Child Tax Credit which includes a disability or severe disability element
  • Disability Premium, Enhanced Disability Premium or Severe Disability Premium

OR, a combination of:

  • Working Tax Credit (if your income is £15,860 or less)

Plus one from this list must apply:

  • responsibility for a child under 16 who lives at the property
  • responsibility for a child aged 16 or over but under 20, who lives at the property and is in full-time education (not in higher education, such as at a university)
  • Disability or Severe Disability Element
  • aged 60 or over.

OR,

  • Universal credit and received a net monthly earned income of £1,167 or less in any assessment period in the previous twelve months

Plus meets one of the following criteria:

  • is responsible for a child under 16 years of age, who lives at the property
  • is responsible for a child aged 16 or over but under 20, who lives at the property and is in full-time education (not in higher education, such as at a university)
  • has limited capability for work, or limited capability for work and work-related activity
  • is in receipt of disability living allowance
  • is in receipt of personal independence payment.

Top tips

When someone tries to sell you something or gets you to sign up for something in your home, they may be a genuine salesperson, but sometimes it’s a scam. For more information on this, see What is doorstep crime. A genuine salesperson should not ask for money upfront in exchange for accessing an energy efficiency grant or scheme.

Who needs to agree before the work can be done

If you are a tenant or a leaseholder, you will usually need the agreement of the landlord before you can have any work done.

Landlords can also apply under the scheme. If you are a landlord, you will usually need the agreement of the tenant or leaseholder before you can have any work done.

If you live in the property and own the freehold, you will not need anyone else's agreement before you can have any work done.

How do you apply?

You can go to your local Citizens Advice Bureau. They will tell you what kind of help you can get.

  • Search for your nearest CAB, including those that can give advice by e-mail.

You can also contact the Energy Saving Advice Service (ESAS) to find out if you are eligible for any help on 0300 123 1234.

Next steps

Citizens Advice

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