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Costs, Savings, & Support for UK Homes: A Guide to Government Grants & More

Whether it’s upgrading your home to be more energy-efficient, improving the safety and security of your property, or making necessary repairs, homeowners in the UK may find themselves faced with high costs. Luckily, there are various government grants and support available to help ease the financial burden. The main focus of this article is the energy efficiency grants, schemes and initiatives that the government has set aside for homeowners. 

Energy Costs & Savings for Homeowners 

Throughout the period of 2021-2023, homeowners and tenants all grappled with the unpredictability of the vulnerable energy market. The global energy crisis impacted everyone, from the richest in the country to the most vulnerable. 

Homeowners were footing bills that were extortionately high and dealing with the worries and stress of not knowing what the future held. In 2024 the feelings of angst and concern have certainly dwindled but the worry surrounding the future remains. With a general election on the horizon and an energy market susceptible to global events, homeowners want to know they have the support of their government for when financial crises such as the aforementioned were to strike again. 

Energy Efficiency Grants & Schemes

One of the best ways for homeowners to save on energy costs is by making their homes more energy-efficient. Not only does this benefit the environment, but it also results in significant cost savings in the long run. The UK government has recognised this and has put several grants and schemes in place to encourage homeowners to make these changes.

Examples of these schemes include:

The ECO4 Scheme 

The ECO Scheme is currently in its fourth phase after originally being introduced in 2013. The ECO4 scheme is a government-funded initiative that aims to make energy-efficient improvements more accessible and affordable for low-income households. It provides funding for energy-saving measures such as insulation, heating upgrades, and renewable energy sources. The current phase of the scheme runs until 31 March 2026 and is open for eligible households to apply for via a number of routes. Whether this is directly via your energy supplier or a service provider such as an installer.

Eligibility for ECO4 Scheme

To be eligible for the ECO4 scheme, homeowners must meet certain criteria, including:

  • Receiving certain benefits such as Universal Credit or Income Support
  • Having a household income below a specific threshold
  • Living in a property with an Energy Performance Certificate (EPC) rating of D or lower
  • Not having received support from the scheme in the past 12 months
  • Being a homeowner or a private tenant (social housing tenants are not eligible)

Additional Support for Low-Income Households

Aside from the ECO4 scheme, there are other forms of support available for low-income households in the UK. This includes the Warm Home Discount Scheme, which provides a one-off discount on electricity bills for eligible households. There is also the Winter Fuel Payment, which is a tax-free payment made to help older people with their heating costs during the winter months.

Other advice and guidance including energy saving tips can be accessed via both the government website and directly from an energy supplier. Providing advice for households in England, Scotland, and Wales on how best to reduce energy consumption and keep energy bills down. 


In conclusion, there are various government grants and schemes available to help homeowners in the UK with the costs of energy efficiency upgrades, as well as general household repairs and maintenance. These initiatives not only benefit the environment but also provide financial relief for households struggling with high energy costs. It is important for homeowners to stay informed about these schemes and take advantage of them when possible. With government support and individual efforts, we can all work towards a more sustainable future for our homes and our planet.