Also, some schemes offer financial help by giving you money to put towards your energy bills.
Many of these schemes depend on your income or whether you’re claiming certain benefits.
Regardless of your situation, you should be able to get access to energy advice. It’s also worth contacting your local authority to ask about what local schemes are available.
What support is available through the Warm Homes Plan?
The UK Government’s Warm Homes Plan includes plans for:
Fully funded support for low-income families.
Low and zero-interest loans for homeowners regardless of income.
This will help homes across the UK install solar panels, heat pumps and other home energy efficiency improvements.
The UK Government hasn’t yet said when this financial support will be available, only that it will give more detail later this year.
We’ll update this page with any new grants or loans as they’re announced.
You can get home energy upgrades to lower your energy bills and keep your home warm.
To be eligible, you need to:
Be privately owned by you or your landlord.
Have an Energy Performance Certificate (EPC) of D-G.
Have a household income of under £36,000 a year.
If your household earns more than that, you might still be eligible if you live in a certain postcode or if someone living there gets certain benefits.
This isn’t a fund you can apply for directly. If you live in social housing and your EPC rating is D to G, speak to your local authority to see if they’re part of these scheme.
This scheme is available to local authorities to bring their social housing stock up to EPC rating C.
You can get help with funding energy efficient home improvements through specific energy suppliers. You can apply through one of these suppliers even if you’re not a customer of theirs.
In the 2025 Autumn Budget, the UK Government announced that the ECO scheme would close in April 2026.
You can get a one-off £150 discount on your electricity bill. This automatically comes off your bill.
From winter 2025, if the person named on your energy bills gets a means-tested benefit, your home will be eligible. If you’re eligible, you should get the discount without needing to apply.
The UK Government is urging people to make sure the right name is on the electricity bill before 24 August 2025. This will ensure that the discount is applied in time.
You might not be named on your electricity bill if:
You can get £200 or £300 to put towards your heating bills over winter. If you’re eligible, you should get this payment automatically.
The UK Government has updated the criteria for who is eligible for the Winter Fuel Payment after it was initially changed to be a means-tested benefit.
To qualify you must have been born before 22 September 1959 and have an income of less than £35,000 a year.
If your income is more than £35,000 a year, you’ll still get the payment, but it will be recovered later through HMRC.
Between 1 November 2025 and 31 March 2026, you can get £25 for every seven-day period where the average temperature is below freezing. If you’re eligible, you should get this automatically.
To qualify, you need to claim one of the following benefits:
Pension Credit
Income Support
income-based Jobseeker’s Allowance (JSA)
income-related Employment and Support Allowance (ESA)
Universal Credit
Support for Mortgage Interest
You may be eligible for Pension Credit if you’re not already claiming it. If you can successfully apply for Pension Credit, you’ll also get the Winter Fuel Payment. Visit GOV.UK to see if you’re eligible.
You can get a grant of up to £7,500 towards the total cost of energy efficiency home improvements like insulation. You can also get an interest-free loan of up to £7,500 to fund these home improvements.
This support is available to homeowners in Scotland.
You can get a single payment of £59.75, paid from December 2025, to help towards heating costs.
This support is available if you’re claiming certain benefits between 3 and 9 November 2025. If you’re eligible, you should get this payment automatically.
You can get help with funding energy efficient home improvements through specific energy suppliers. You can apply through one of these suppliers even if you’re not a customer of theirs.
You can get a one-off £150 discount on your electricity bill. This automatically comes off your bill.
From winter 2025, if the person named on your energy bills gets the Pension Credit Guarantee Credit, you should get the discount automatically. If they get other means-tested benefits, speak to your energy supplier to apply for the discount.
The UK Government is urging people to make sure the right name is on the electricity bill before 24 August 2025. This will ensure that the discount is applied in time.
You might not be named on your electricity bill if:
You can get help with funding energy efficient home improvements through specific energy suppliers. You can apply through one of these suppliers even if you’re not a customer of theirs.
In the 2025 Autumn Budget, the UK Government announced that the ECO scheme would close in April 2026.
Between 1 November 2025 and 31 March 2026, you can get £25 for every seven-day period where the average temperature is below freezing. If you’re eligible, you should get this automatically.
To qualify, you need to claim one of the following benefits:
Pension Credit
Income Support
income-based Jobseeker’s Allowance (JSA)
income-related Employment and Support Allowance (ESA)
Universal Credit
Support for Mortgage Interest
You may be eligible for Pension Credit if you’re not already claiming it. If you can successfully apply for Pension Credit, you’ll also get the Winter Fuel Payment. Visit GOV.UK to see if you’re eligible.
You can get a one-off £150 discount on your electricity bill. This automatically comes off your bill.
From winter 2025, if the person named on your energy bills gets a means-tested benefit, your home will be eligible. If you’re eligible, you should get the discount without needing to apply.
The UK Government is urging people to make sure the right name is on the electricity bill before 24 August 2025. This will ensure that the discount is applied in time.
You might not be named on your electricity bill if:
You can get £200 or £300 to put towards your heating bills over winter. If you’re eligible, you should get this payment automatically.
The UK Government has updated the criteria for who is eligible for the Winter Fuel Payment after it was initially changed to be a means-tested benefit.
To qualify you must have been born before 22 September 1959 and have an income of less than £35,000 a year.
If your income is more than £35,000 a year, you’ll still get the payment, but it will be recovered later through HMRC.
You can get up to £7,500 towards energy efficiency home improvements, or up to £10,000 for solid wall insulation.
This scheme is available for homeowners and private renters whose total household income is less than £23,000 a year.
For more information contact the NI Energy Advice Service on 0800 111 4455.
You can buy oil stamps for £5 per stamp and add them to a savings card. When the card is full, you can use it to pay towards an oil order, letting you save up for a bigger order that costs less per litre.
If your area has an oil stamp scheme, you can buy stamps from shops and council buildings.
Check your local council’s website to see if they have an oil stamp scheme.
You can save between £10 and £30 on 200 litres of heating oil by joining the Oil Savings Network.
The network buys heating oil in bulk based on how much oil its members request each week. The scheme negotiates a better price for the larger order and passes the savings onto its members.
All homeowners and renters can join the scheme. For more information, visit the Oil Savings Network guide.
Consumer Council have energy price comparison tools that let you see whether you could save money by switching energy suppliers.
The tool helps you decide whether you’re on the best tariff, or if there’s a better method of payment for you.
You can get £200 or £300 to put towards your heating bills over winter. If you’re eligible, you should get this payment automatically.
The UK Government has updated the criteria for who is eligible for the Winter Fuel Payment after it was initially changed to be a means-tested benefit.
To qualify you must have been born before 22 September 1959 and have an income of less than £35,000 a year.
If your income is more than £35,000 a year, you’ll still get the payment, but it will be recovered later through HMRC.
You can get £200 or £300 to put towards your heating bills over winter. If you’re eligible, you should get this payment automatically.
The UK Government has updated the criteria for who is eligible for the Winter Fuel Payment after it was initially changed to be a means-tested benefit.
To qualify you must have been born before 22 September 1959 and have an income of less than £35,000 a year.
If your income is more than £35,000 a year, you’ll still get the payment, but it will be recovered later through HMRC.
Energy Saving Trust is authorised and regulated by the Financial Conduct Authority (716195) and delivers the Home Energy Scotland Grant and Loan mentioned on this page via Home Energy Scotland on behalf of Scottish Government. Loans are subject to eligibility and terms and conditions. 0% APR Representative. No interest or fees. Total repayable equals amount borrowed. Subject to eligibility and affordability checks.
