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Loft Insulation

Loft Insulation Grants in the UK

Why Loft Insulation Matters for Your Home

As energy prices continue to climb, homeowners across the UK are searching for ways to
reduce their energy consumption and save on their heating bills. One of the most effective
solutions is loft insulation, which can significantly reduce heat loss and create a warmer, more
comfortable home.

Saving money by insulating your loft

Insulating your loft can save you up to £370 annually on energy bills in a detached UK home. For a
standard 3-bedroom semi-detached house in the UK, the average cost of loft insulation is around
£930.

UK Government Grant Schemes for Loft Insulation

The UK government offers financial assistance to homeowners through grant schemes to make loft
insulation more accessible. Two main schemes currently available for loft insulation are the Great
British Insulation Scheme and the ECO4 Scheme.

The Great British Insulation Scheme (GBIS)

The Great British Insulation Scheme (GBIS), launched in April 2023, replaced the ECO+ scheme
and is set to run until March 2026.

Administered by Ofgem and delivered through large energy suppliers, the scheme provides a single
insulation measure per household, determined by a house retrofitting assessment. GBIS has a
budget of £1 billion.

There are two main eligibility groups for GBIS

Low-Income Group:

Homeowners or private renters who meet certain criteria related to their
Energy Performance Certificate (EPC) rating, benefits received, or vulnerability to cold conditions.
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:

Homeowners (except those living in social housing) who live in properties within
certain council tax bands and have specific EPC ratings but do not claim benefits. 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 ECO4 Scheme

Launched in August 2022, it runs until March 2026 with a budget of £4 billion (£1 billion annually).
Delivered through large energy suppliers, ECO4 takes a whole-house approach to energy efficiency.
The scheme goes beyond insulation to include other energy efficiency measures, such as boiler
upgrades and solar panels. The ECO4 also includes heating system repairs and replacements and
smart heating controls.

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
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 loft insulation grant, follow these steps:

  1. 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
  2. Enter your property’s postcode and select your address from the list provided.
  3. View and download your EPC report.

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

Loft Insulation Status

  • In the “Summary of the home’s energy performance related features” section, look for
    information about your loft insulation:
  • If your loft is uninsulated or has 100mm or less insulation (usually level with or below the
    joists), you may be eligible for a grant.
  • If your loft insulation is over this level, you might still qualify for a top-up to 270m

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

Benefits of Loft Insulation

  • Reduced Energy Bills: Loft insulation acts as a barrier to heat loss, significantly reducing
    the amount of energy required to heat your home. The sources indicate potential annual
    savings ranging from £120 to £280 on energy bills, with savings reaching up to £370 for
    detached homes.
  • Increased Comfort: By preventing heat loss through the roof, loft insulation helps maintain a
    consistent and comfortable temperature throughout your home. It reduces drafts and cold
    spots, making your living space more enjoyable, particularly during colder months.
  • Environmental Benefits: Reducing energy consumption through loft insulation directly
    contributes to a smaller carbon footprint. Lowering your energy usage translates to fewer
    greenhouse gas emissions associated with energy production, positively impacting the
    environment. Specifically, you can reduce your home’s CO2 emissions by up to 1300kg per
    year.
  • Enhanced Property Value: An energy-efficient home with a good EPC rating holds greater
    appeal for potential buyers, potentially increasing its market value. Loft insulation is a
    cost-effective investment that can improve your EPC rating and enhance your home’s
    marketability.

In an uninsulated home, heat loss typically accounts for around 20% to 30% of total heat loss through the roof. By installing loft insulation, you can reduce the amount of heat lost from your roof, thereby keeping your home warmer and lowering your heating bills. Loft insulation acts like a blanket made of approved insulation material that is laid down to create a barrier between the main body of the property and the loft.

In addition to reducing heat loss and heating bills, roof insulation offers several other benefits.

It can improve your home’s energy efficiency rating increase its value.

Loft insulation is a type of insulation material that is installed in the attic or loft space of a building to reduce heat loss through the roof. It helps to keep the building warm in the winter by preventing heat from escaping through the roof, and also keeps it cool in the summer by preventing heat from entering the building.

Loft insulation is typically made from materials such as mineral wool, cellulose, or foam. It is installed by laying it between the joists or over the ceiling of the loft space. The thickness of the insulation depends on the type of material used and the required level of insulation. A thicker layer of insulation will provide greater thermal resistance and therefore better energy efficiency.

Installing loft insulation can help to reduce energy bills and carbon emissions by reducing the amount of heat that is lost through the roof. It is a relatively simple and cost-effective way to improve the energy efficiency of a building.

  • Energy savings: reduces heat loss by up to 25% and lowers energy bills
  • Improved comfort: creates a warmer living environment and reduces drafts and cold spots
  • Noise reduction: reduces noise transmission between floors
  • Protection against damp: prevents moisture from condensing on cold surfaces and reduces the risk of damp and mould growth
  • Increased property value: makes your property more attractive to potential buyers by being energy-efficient.

Our expert team will properly install your loft insulation to ensure that it meets the recommended level. This includes insulating any pipes or tanks that may be present. We’ll also make sure to insulate the area surrounding your loft hatch so that no heat escapes through any gaps. You can trust us to take care of your insulation needs!

The cost of loft insulation can vary depending on the type of insulation used and the size of the area to be insulated. Loft insulation for a standard 3-bedroom semi-detached house in the UK costs around £930.

 In a detached UK home, loft insulation can save you up to £370 in annual energy bills. Loft insulation can save you anywhere from £120 to £280 a year on your energy bills.

Yes. If you are not a recipient of government benefits, you can still qualify for free loft insulation through other criteria, such as having a home EPC rating below D or being a household within the council tax bands A to D in England, and A to E in Scotland and Wales.

Generally, all types of properties can qualify for a loft insulation grant, so long as they have a loft space that is under-insulated or not insulated at all.

The amount of funding you can get from a loft insulation grant depends on several factors, such as your personal and financial circumstances, the cost and complexity of the job, and any existing insulation measures in place.