---
title: What Is the ECO4 Scheme
description: Discover how the ECO4 scheme can help cut your energy bills with free insulation, heating upgrades and solar panels. Check if you qualify today.
---

<https://lmfenergyservices.co.uk/live-manage-facilitate-limited-blog>

# [What Is the ECO4 Scheme](https://lmfenergyservices.co.uk/live-manage-facilitate-limited-blog/what-is-the-eco4-scheme)

 Written by [Simon](https://lmfenergyservices.co.uk/live-manage-facilitate-limited-blog/author/simon) | Jul 8, 2025 9:03:19 AM

With energy costs continuing to put pressure on UK households, many people are looking for ways to reduce their bills and make their homes more efficient. That’s where the **ECO4 scheme** comes in — a government-backed initiative offering **free or heavily subsidised energy-saving upgrades** for eligible homes.

In this article, we’ll explain what ECO4 is, who qualifies, and how it can help you save money.

## What Is the ECO4 Scheme?

The **Energy Company Obligation (ECO)** scheme is a UK government initiative that has been running since 2013. Now in its fourth phase — known as **ECO4** — the scheme focuses on improving the energy efficiency of low-income and vulnerable households across Great Britain.

ECO4 is funded by major energy suppliers and aims to help households:

- Reduce **heating costs**
- Lower **carbon emissions**
- Live in **warmer, healthier homes**

The scheme is set to run until **March 2026**, making now a great time to apply.

## What Home Improvements Are Covered?

If you’re eligible, ECO4 can provide a range of **completely free home upgrades**, including:

- Loft insulation
- Cavity wall insulation
- Solid wall insulation
- Room-in-roof insulation
- Air source heat pumps
- First-time central heating
- Solar panels
- High-efficiency boilers

The exact measures you’ll receive depend on your home and current energy performance.

## Who Is Eligible for ECO4?

ECO4 is aimed at helping households most in need. You may qualify if:

- You receive **certain means-tested benefits**, such as: 
    - Universal Credit
    - Income Support
    - Child Tax Credit
    - Pension Credit (Guarantee Credit)
- You live in a property with an **Energy Performance Certificate (EPC) rating of D or lower**
- You’re a **low-income household** under the flexible eligibility route (even if not on benefits)

Landlords and tenants may also qualify under certain conditions.

## How Can ECO4 Help You Save on Bills?

Installing energy-efficient upgrades through ECO4 can lead to **substantial savings**:

| Upgrade Type | Potential Annual Savings* |
| --- | --- |
| Loft insulation | £300+ |
| Cavity wall insulation | £400+ |
| Air source heat pump | £500–£1,000 |
| Solar panels | £300–£600 |

**Estimates based on average UK energy use and 2025 tariffs. Actual savings vary.*

Plus, the improvements are carried out **at no cost to you**, meaning you benefit without paying out of pocket.

## How to Apply for ECO4

The good news? Applying is simple.

If you qualify, LMF can help you arrange a **free home survey** and walk you through the process from start to finish.

**📞 Call 0800 0987 667 to speak to a friendly energy assessor today.**

You’ll find out if you’re eligible and what upgrades you could receive — completely free of charge.

## Final Thoughts

ECO4 is a powerful way to take control of your energy bills and future-proof your home. If you're living in a home that’s difficult to heat or you're worried about rising energy costs, don’t miss this opportunity.

**Get in touch today and see how much you could save.**

[View full post](https://lmfenergyservices.co.uk/live-manage-facilitate-limited-blog/what-is-the-eco4-scheme)

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