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External Wall Insulation

A Complete Guide to External Wall Insulation Grants in the UK

Are you a homeowner looking to increase the energy efficiency of your home? You may be eligible for a grant that helps you finance external wall insulation.

What Is External Wall Insulation?

External wall insulation (EWI) is a type of insulation added to a building’s exterior. It consists of insulation boards fixed to the walls and covered with a protective layer, such as render or cladding.

Homes constructed before the 1920s usually have solid walls, which let more heat escape than cavity walls. EWI helps reduce heat loss, lowering energy bills and creating a warmer home in the winter and a cooler home in the summer. It can also protect the building structure from weather damage and dampness.

Why is External Wall Insulation Important?

External wall insulation offers many benefits:

  • Reduce Energy Bills: EWI can save up to £475 yearly on energy bills. Detached homes in the UK can save up to £550 per year.
  • Reduce Carbon Footprint: EWI can reduce CO2 emissions by up to 1.9 tonnes yearly. In a detached home, this reduction could reach 1.5 tonnes.
  • Increase Comfort: EWI reduces cold spots and drafts, making your home more comfortable.
  • Improve Aesthetics: EWI can give your home a fresh, modern look.
  • Enhance Property Value: EWI can improve your home’s Energy Performance Certificate (EPC) rating, making it more appealing to potential buyers.

External Wall Insulation Grants?

External wall insulation grants are financial assistance programs offered by the UK government to help homeowners pay for EWI installation. They are part of a government initiative to improve home energy efficiency and reduce carbon emissions.

What Government Grant Schemes are Available for External Wall Insulation?

There are currently two nationwide schemes: the Great British Insulation Scheme (GBIS) and the Energy Company Obligation (ECO4).

The Great British Insulation Scheme (GBIS)

The Great British Insulation Scheme (GBIS) is a government initiative to make home insulation upgrades more affordable. The program provides a single insulation measure per qualifying household, determined after an assessment to find the best way to increase a property’s energy efficiency.

Eligibility for GBIS: There are two main eligibility groups for the GBIS:

Low-Income Group: You might qualify if you:

  • Own your home or rent privately
  • Have an Energy Performance Certificate (EPC) rating of D or below (E or below if renting)
  • Receive means-tested benefits:
    • Child Benefit
    • Child Tax Credit
    • Income-Based Jobseekers Allowance
    • Income-Related Employment Support Allowance
    • Income Support
    • Pension Guarantee Credit
    • Universal Credit
    • Working Tax Credit
    • Housing Benefit
    • Pension Credit Savings Credit
  • Live in social housing with a household income below £31,000 a year and are vulnerable to living in cold conditions

General Group: You might qualify if you:

  • Own your own home (unless in social housing)
  • Live in a property with a council tax band A-D in England, or A-E in Scotland and Wales
  • Have an EPC rating of D or below (E or below if in social housing)
  • You do not have to be claiming benefits

The Energy Company Obligation (ECO4)

The Energy Company Obligation (ECO4) is a legal requirement for energy providers in the UK to provide affordable energy-efficiency upgrades.

Unlike the GBIS, ECO4 takes a whole-house approach to energy efficiency by providing upgrades such as energy system repairs, replacements, and smart controls. ECO4 also provides free external wall insulation.

Heating Upgrade (ECO4 Only)

The ECO4 grant scheme requires a heating upgrade or heating controls to be eligible for free external wall insulation. This is because the ECO4 program focuses on a whole-house approach to energy efficiency.

You can apply for a heating upgrade with external wall insulation if your main heating source is:

  • Electric Boiler
  • Non-Condensing Boiler
  • LPG Boiler
  • Back Boiler
  • Oil Boiler
  • Electric Storage Heating or Electric Room Heaters

Eligibility for ECO4: ECO4 has three eligibility groups:

Help to Heat Group: To qualify, you must:

  • Own your home or rent privately
  • Be considered a low-income household
  • Have a home with an EPC rating of D or below
  • Receive at least one of the listed means-tested benefits:
    • Child Benefit
    • Child Tax Credit
    • Income-Based Jobseekers Allowance
    • Income-Related Employment Support Allowance
    • Income Support
    • Pension Guarantee Credit
    • Universal Credit
    • Working Tax Credit
    • Housing Benefit
    • Pension Credit Savings Credit

Social Housing Group: This group is specifically for residents of social housing. You might qualify if:

  • Your home is let below market rate
  • Your property has an EPC rating of D-G
  • Your home does not meet the Minimum Insulation Requirements

ECO Flex Group: This group is for individuals who might not fit into the other categories. Eligibility is determined by Local Authorities based on localized criteria. This could include factors like:

  • Household income below £31,000 and an EPC rating of D-G
  • Vulnerability to living in a cold home due to health conditions

How to check your Energy Performance Certificate (EPC) for a cavity wall insulation grant, follow these steps:

Access the EPC register online:

  • For properties in England and Wales, click here to access the EPC Register
  • For properties in Scotland, use the Scottish EPC register
  • Enter your property’s postcode and select your address from the list provided.
  • View and download your EPC report.

Once you have accessed your EPC, look for the following information:

Energy Efficiency Rating

Check your home’s current energy efficiency rating, which ranges from A (most efficient) to G (least efficient). Properties with ratings of D or lower may be eligible for support under schemes like the Energy Company Obligation (ECO4).

Wall Construction and Insulation Status

In the “Summary of the home’s energy performance related features” section, look for information about your wall type and current insulation status. Your EPC should indicate:

  • The type of walls your property has (solid, cavity, or other)
  • Whether the walls are currently insulated
  • If your property has solid walls or uninsulated walls, you may be eligible for an external wall insulation grant.

If your property has solid walls that are not insulated, you may be eligible for an external wall insulation grant.

Check your Energy Efficiency Rating

Check your home’s current energy efficiency rating on your EPC, which ranges from A (most efficient) to G (least efficient). Properties with ratings of D to G may be eligible for support under schemes like the Great British Insulation Scheme

Check your properties Council tax Band

To check your council tax band for eligibility for a cavity wall insulation grant, follow these steps:

  • For properties in England and Wales, visit the official government website to check your council tax band
  • For properties in Scotland, click here to check your council tax band

External Wall Insulation Grants: Frequently Asked Questions

Is external wall insulation worth it?

Yes, external wall insulation is a good investment. It can reduce energy bills, add value to your property, and improve your home’s energy efficiency.

How thick is external wall insulation?

External wall insulation is typically 50mm to 200mm thick. The thickness depends on the insulation material, desired thermal performance, structural considerations, and building regulations.

How much does external wall insulation cost?

External wall insulation costs around £100 per square meter in the UK. The total cost can vary depending on your home’s size, the type of insulation used, and labor costs. It may also include the cost of permits and services like scaffolding. The sources estimate the total cost for a typical 3-bedroom semi-detached house to be around £11,000.

How long does it take to get an external wall insulation grant?

It can take one to seven weeks to have the insulation installed after applying for the grant.

How energy-efficient does my home need to be to qualify for an external wall insulation grant?

Your home needs an EPC rating of F or G to qualify. These scores mean your home isn’t energy efficient and qualifies for a grant.

Are there external wall insulation grants for pensioners?

Yes, pensioners who claim a pension and meet the criteria are eligible.

Conclusion

External wall insulation grants are a valuable opportunity for homeowners to make their homes more energy-efficient, comfortable, and environmentally friendly. If you meet the eligibility requirements, it’s worth exploring the GBIS and ECO4 schemes.

External Wall Insulation involves the installation of insulated panels onto the external surface of a building, which are then secured by mechanical means and finished with a render. This process not only provides improved insulation for the property, making it a more efficient and comfortable living space, but also gives the external façade a modern and refreshed appearance.

If your property was constructed before 1930, it is likely to have solid walls, with no cavity. These walls typically consist of two brick skins, tied together with ‘header bricks’, and have a thickness of 220mm to 250mm.

Without external wall insulation, up to 50% of the heat produced in the property can be lost through the walls. This not only results in unnecessary expenditure, particularly with the current surge in energy costs, but also contributes to environmental damage through the release of CO2 emissions.

Solid walls can be insulated by applying high-density insulation material internally, externally or both, depending on the specific requirements of the property.

  • Keeping you cosy and warm.
  • Decreasing the amount of fuel used to heat your home.
  • Improving the appearance and value of your property.
  • Increasing the longevity of walls by protecting them from the elements.
  • Increasing your home’s sound resistance.
  • Helping to protect against damp.
  • Keeping your home cooler in the summer.
  • Preventing mould growth and condensation.
  • Weatherproofing your home.
  • Being good for the environment.