Making Homes Warmer, Greener, and More Affordable
The Energy Company Obligation (ECO4) scheme is the UK Government’s flagship energy-efficiency programme, designed to help low-income and vulnerable households cut energy bills, improve home comfort, and lower carbon emissions.
Running from April 2022 to March 2026, ECO4 is the latest phase in the ECO programme and focuses on whole-house retrofits to support the UK’s net-zero targets.
Through ECO4, eligible households can receive free home insulation, heating upgrades, renewable technologies like solar panels, and more, all funded by energy suppliers and installed by accredited companies such as Warm Life Limited.
Whether you own your home or rent privately, ECO4 could provide life-changing upgrades at no cost to you.
What Is the ECO4 Scheme?
ECO4 is a government-backed initiative that requires the UK’s largest energy suppliers to fund energy-saving improvements in homes that need them most. It replaces the earlier ECO3 scheme and introduces stricter rules to ensure more comprehensive, long-term upgrades.
Unlike older schemes that focused on single improvements (like loft insulation alone), ECO4 promotes whole-house solutions aimed at:
- Boosting your property’s Energy Performance Certificate (EPC) rating
- Reducing reliance on fossil fuels
- Supporting a sustainable, low-carbon future
What Does the ECO4 Scheme Cover?
The scheme funds a wide range of fully installed energy upgrades, including:
Insulation Upgrades
- Loft insulation
- Cavity wall insulation
- Internal wall insulation
- External wall insulation
- Room in roof insulation
Heating System Upgrades
- Replacement of old, inefficient boilers
- First-time central heating installation
- Air source heat pumps (ASHP)
- High Heat Retention electric storage heaters
- Smart heating controls and thermostats
Renewable Energy Technologies
These improvements reduce heat loss, improve energy efficiency, and help lower your bills while cutting carbon emissions.
Who Is Eligible for ECO4?
ECO4 is aimed at low-income, vulnerable, or fuel-poor households. To qualify, your home must usually have an EPC rating of D, E, F, or G, and someone in the household must receive a qualifying benefit.
You may qualify if:
- You own your home or rent privately (with landlord consent)
- Your EPC rating is D, E, F, or G
- You receive one of the following:
Qualifying benefits include:
- Universal Credit
- Pension Credit (Guarantee or Savings)
- Income Support
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Child Tax Credit
- Working Tax Credit
- Housing Benefit
- Child Benefit (with income thresholds)
Even if you don’t receive benefits, you might still qualify under LA Flex (link to LA Flex blog), a local authority route for vulnerable households.
How the ECO4 Process Works
Getting started is straightforward:
- Quick Eligibility Check
Fill in a short form or call us to confirm whether you qualify under ECO4 or LA Flex. - Free Home Survey
Our qualified assessor inspects your home and recommends the best upgrades. - Approval & Funding
We handle all paperwork. Once approved, your upgrades are 100% funded. - Professional Installation
Accredited installers complete the work with minimal disruption, backed by full warranties. - Ongoing Support
We remain on hand to answer questions and help you get the most from your improvements.
What Makes ECO4 Different?
Compared to previous schemes, ECO4 offers:
- Whole-house upgrades for lasting results
- Higher efficiency standards for maximum savings
- No funding for gas boiler replacements, focus on electric & renewable systems
- Priority for off-gas properties, especially in rural areas
- LA Flex to include more households in need
Why Apply for ECO4 Now?
With energy costs still high and the UK aiming for net-zero by 2050, ECO4 offers:
- Lower energy bills
- Better year-round comfort
- Reduced carbon footprint
- A healthier home environment
- Zero upfront cost, fully funded upgrades
- Increased property value & EPC rating
Check if you qualify today; it only takes a minute to see if you can benefit from this life-changing scheme.
