ECO4 Scheme Eligibility 2025

You're eligible for ECO4 if you: (1) receive qualifying benefits like Universal Credit or Pension Credit, OR (2) have household income under £31,000 via LA Flex, OR (3) receive disability/health benefits like PIP or Attendance Allowance. Your property must have an EPC rating of D-G and be your main residence in England, Scotland, or Wales. Both homeowners and private tenants (with permission) can apply.

Qualifying benefits include: Universal Credit (income under £2,000/month after housing), Pension Credit, Income Support, Job Seeker's Allowance (income-based), Employment & Support Allowance (income-related), Working Tax Credit, Child Tax Credit, and Housing Benefit. Health-related benefits that qualify include PIP, DLA, Attendance Allowance, and Carer's Allowance.

Yes, through the LA Flex route. If your household income is under £31,000 per year, you may qualify even without benefits. Additional LA Flex qualifying factors include Council Tax Reduction, Free School Meals eligibility, NHS Low Income Scheme membership, veteran status, or health conditions made worse by cold homes. Your local authority assesses LA Flex applications.

Your property must have an Energy Performance Certificate (EPC) rating of D, E, F, or G to qualify for ECO4 funding. Properties with ratings A, B, or C are already energy efficient and don't qualify. If you don't have an EPC, we can arrange a free assessment. The EPC must be valid (less than 10 years old) or we'll obtain a new one as part of your application.

Yes, private tenants can apply for ECO4 funding with their landlord's written permission. The landlord must consent to the installation work. Tenants benefit through lower energy bills while landlords benefit from improved EPC ratings and property value. The improvements remain with the property. Social housing tenants should check with their housing association for separate schemes.

Yes, Universal Credit recipients qualify for ECO4 funding if their income is under £2,000 per month after housing costs (rent/mortgage). This threshold applies to your Universal Credit statement. You must also own or privately rent a property with EPC rating D-G as your main residence. Universal Credit is one of the most common qualifying benefits for ECO4.

Yes, pensioners can qualify for ECO4 through multiple routes: (1) Pension Credit (Guarantee or Savings Credit), (2) Attendance Allowance for those needing care, (3) LA Flex if income is under £31,000, or (4) if they receive other qualifying benefits like Housing Benefit. Many pensioners qualify as they're considered vulnerable to cold homes. Priority is given to pensioner households.

Use our free online eligibility checker - it takes just 60 seconds. You'll need: (1) your postcode, (2) information about benefits you receive, (3) approximate household income, and (4) property ownership status. The checker instantly tells you if you likely qualify and which eligibility route applies. You can then proceed directly to a full application or speak with our advisors for personalized guidance.