What is the ECO4 Scheme?
The ECO4 Scheme is the fourth and latest phase of the Energy Company Obligation (ECO) programme, which has been running since 2013. It’s focused on helping people who are most at risk of living in cold or poorly insulated homes. Under ECO4, energy suppliers are required to help improve the energy efficiency of eligible homes — and it comes at little or no cost to the homeowner or tenant.
What’s Included?
The ECO4 Scheme covers a wide range of energy-saving improvements, depending on what your property needs. These can include:
- Loft and cavity wall insulation
- Internal or external wall insulation
- Air source heat pumps
- Solar panels
- Upgraded boilers or first-time central heating
- Draught-proofing and smart heating controls
It’s all about making your home more efficient and reducing the amount of energy you need to stay warm.
Why Should You Apply?
1. Lower Your Energy Bills
Installing energy-efficient upgrades can significantly reduce your monthly heating costs. For households struggling with rising prices, these savings can make a huge difference.
2. A Warmer, More Comfortable Home
Homes that are poorly insulated lose heat quickly, which means you spend more just to stay warm. ECO4 improvements help your home hold onto its heat, making it cosier all year round.
3. Better for the Environment
By cutting down the amount of energy you use, you’ll also be lowering your carbon footprint. This is a great step toward living more sustainably — and doing your bit for the planet.
4. No or Very Low Cost
For those who qualify, the scheme covers most or all of the cost of the work. This removes a major barrier for many households who want to improve their homes but can’t afford the upfront expense.
Do You Qualify?
Eligibility for ECO4 is generally based on your income, benefits status or the energy rating of your home. If you claim certain government benefits or live in a property with poor insulation and heating, you could very well qualify.
And even if you don’t, you might be eligible for help through the Great British Insulation Scheme (GBIS) — another government-backed initiative that supports households who need help covering the cost of insulation.
If you’re unsure which scheme is right for you, we’re here to help guide you through it.
Ready to Find Out More?
Applying for ECO4 doesn’t need to be complicated. Whether you’re a homeowner, landlord or tenant, we can check if you’re eligible and walk you through the next steps. The sooner you apply, the sooner you can start enjoying a warmer home and lower bills.

