ECO Scheme Storage Heater Grants and Boiler Grants

Free Loft Insulation for homeowners and tenants *

* Subject to the Type of Home you live in, your Heating System and a Free Home Survey. You DO NOT need to receive State Benefits or Tax Credits.

If your home has less than 100 mm of loft insulation, apply today and you could save up to £240 every year on your heating bills.

Free Loft Insulation Grants from the Affordable Warmth Scheme

Complete the Loft Insulation Grant Application Form today, to see if you qualify

Loft Insulation Grant Application Form

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  • 1. Your Details:

  • We need this to check whether you qualify for a loft insulation grant

Free Loft Insulation - Do you qualify?

There are TWO WAYS in which you may qualify for Free Loft Insulation:

1. With the AFFORDABLE WARMTH SCHEME (AWS)

To qualify for Free Loft Insulation with the Affordable Warmth Scheme, you must:

1. Be a homeowner or a tenant with a private landlord
2. Receive certain State Benefits or Tax Credits (listed below)
3. Live in a property with an accessible loft which has less than 100 mm of insulation

2. With the CARBON EMISSIONS REDUCTION OBLIGATION (CERO)

To qualify for Free Loft Insulation with CERO you:

1. Must be a homeowner or a tenant with a private landlord
2. DO NOT NEED TO receive State Benefits or Tax Credits
3. Must live in a property with an accessible loft which has less than 100 mm of insulation

AWS - Your State Benefits

CERO - Your Home

To qualify for Free Loft Insulation (funded by the Affordable Warmth Scheme) you must receive one of these State Benefits or Tax Credits:

  • Guaranteed Pension Credit (Pension Credit Savings Credit and Ordinary State Pension do not qualify)
  • Child Tax Credit*
  • Working Tax Credit*
  • Income Support
  • Universal Credit*
  • Income-Related Employment & Support Allowance or
  • Income-Based Job Seeker’s Allowance

Benefits marked with * are subject to maximum household income thresholds based on the number of adults and children living in your home.

These income thresholds are set out in the table below:

To qualify for Free Loft Insulation funded by the Carbon Emission Reduction Obligation you must:

1. Either own your home or rent it from a private landlord.

(Different rules apply to tenants in council houses and properties owned by housing associations).

2. Have an accessible loft in your home which has less than 100 mm of loft insulation installed.

You DO NOT NEED TO receive any State Benefits or Tax Credits to qualify for Free Loft Insulation funded by CERO.

Affordable Warmth Scheme Qualifying Criteria - income thresholds for Tax Credits and Universal Credit
Detailed Qualifying Criteria for Free Loft Insulation
There are two ways in which householders can qualify for Free Loft Insulation:
  • Affordable Warmth Scheme (officially known as the Home Heating Carbon Reduction Obligation or HHCRO)
  • Carbon Emissions Reduction Obligation (CERO)

Both options require that you live in your own home or one which you rent from a private landlord. Different rules apply if you rent your home from your local council or a housing association.

Free Loft Insulation from the Affordable Warmth Scheme

The rules relating to free loft insulation from the Affordable Warmth Scheme are in three parts:

  1. You must receive one of the qualifying State Benefits or Tax Credits listed above.
  2. Your home must satisfy certain criteria with regard to its type, how many bedrooms it has, how many external walls it has and what type of heating is installed.
  3. Your home must have an accessible loft and have less than 100 mm of loft insulation installed.

If you qualify for Free Loft Insulation with Affordable Warmth Scheme funding, you WILL NOT be required to make a contribution to the cost of installation.

If you do not qualify for Free Loft Insulation with Affordable Warmth Scheme funding, you may qualify under CERO but some householders will have to make a contribution to the cost of installation.

Free Loft Insulation from CERO

The rules relating to free loft insulation from CERO also in three parts:

  1. You DO NOT need to receive one of the qualifying State Benefits or Tax Credits listed above.
  2. Your home must satisfy certain criteria with regard to its type, how many bedrooms it has, how many external walls it has and what type of heating is installed.
  3. Your home must have an accessible loft and have less than 100 mm of loft insulation installed.

There are two possible results under CERO: you will either qualify for free loft insulation OR you will qualify for a grant towards the cost of installing loft insulation but you will need to make a contribution.

Which of these results applies to you will depend on the type of property you live in, how many bedrooms it has, how many external walls there are and what type of heating is installed.

You will be more likely to qualify for free loft insulation under CERO if you live in a larger property with several external walls and / or you DO NOT have gas central heating.

Householders in small properties with fewer bedrooms, fewer external walls and gas central heating will be less likely to qualify for free loft insulation and will have the highest contributions to make.

Loft Insulation

Because heat rises it should come as no surprise that up to a quarter of your heat can be lost through the roof of your home. Insulating your roof space is a quick, easy and is a relatively inexpensive way to save energy and reduce your energy bills. And because most types of loft insulation material will last for over forty years, it will pay for itself many times over. If you qualify for free loft insulation, you will start saving on your heating bills from day 1.

DIY Loft Insulation

If your roof space is easy to access and is free from condensation and damp, it should be very easy to install loft insulation and for many homeowners it can be a DIY job. However, it can be a dirty job and if you qualify for free loft insulation, a professional installer will insulate your roof space for you.

If the joists are regularly spaced, rolls of mineral wool insulation can be easily installed in your loft (though you should wear appropriate protective clothing because it is a severe skin and eye irritant for most people).

The minimum recommended thicknesses for loft insulation are 270 millimetres for glass wool, 250 millimetres for rock wool and 220 millimetres for cellulose but the vast majority of properties that have had loft insulation already installed will generally only have 100 mm fitted. If glass wool loft insulation is fitted, normally 100mm will be laid between the joists and a further 170 mm over them.

Loft Insulation – Costs and Savings

If you engage a contractor to install loft insulation for you, then based on a three bedroom semi-detached property, you should expect to pay up to £300 but if you do it yourself the cost should be less than half of that. Obviously if you are entitled to free loft insulation, there will be no installation cost.

Annual savings on your energy bills will be approximately £180 per year if you currently have no loft insulation at all and around £25 per year if you currently have 100 mm of loft insulation installed.

If every property in the UK had loft insulation installed to the recommended thickness, around £500 million would be saved on heating bills, and carbon dioxide emissions would be reduced by 2.7 million tons!

Storage Space in your Loft

If you intend to use your loft for storage then you will probably need boards fitting over the joists but if you only insulate between the joists the insulating material will not be thick enough. To be able to install enough loft insulation you need to either insulate between the joists and then fit boards with insulation bonded to the underside of them, or raise the floor levels to enable you to install the recommended thickness of loft insulation. Whichever method you choose, the loft insulation material should not be squashed to accommodate the boards or its insulating qualities may be reduced.

Insulating the Pipes and Water Tank in your Loft

By installing effective loft insulation, not as much heat from your home will be lost into the roof space. As a consequence of this it will be colder in your loft and therefore the water pipes and water tank will need to be protected from freezing during cold winter weather.

Water pipes and the water tank in your loft should be well insulated and the loft hatch cover should also be insulated and fitted with a draught excluder around the edges to stop cold draughts coming through it, into your home.

Apply for YOUR Free Loft Insulation from the Affordable Warmth Scheme, Today