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.
The Boiler Upgrade Scheme is a grant of up to £7,500 off the cost of installing a heat pump or biomass boiler.
To be eligible, you need to:
Own your home
Swap a fossil fuel boiler or electric heating for a heat pump
Use a certified installer
For biomass boilers, you’re only eligible if the property is in a rural location and not connected to the gas grid.
If you’re using heating oil or liquid petroleum gas (LPG), you could get up to £9,000 off the cost of a heat pump. This increased funding runs until 31 March 2027.
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.
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 27 June 1960 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.
Over winter 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-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.
The Smart Export Guarantee lets you sell extra energy you generate from renewable technologies like solar panels.
This isn’t automatic, so you need to sign up to an export tariff from an energy supplier. You don’t have to use the same supplier you get your energy from.
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 £62, paid from December 2026, to help towards heating costs.
This support is available if you’re claiming certain benefits between 2 and 8 November 2026. If you’re eligible, you should get this payment automatically.
The Pension Age Winter Heating Payment replaced the Winter Fuel Payment for people in Scotland. It helps people of State Pension age pay their heating bills and it’s paid once a year.
If you’re eligible, you could get a payment of between £105.55 and £316.70. This should be paid automatically into the same account as your State Pension or any other Social Security Scotland benefits. You’ll also receive a letter to confirm you’ve been paid.
If your income is over £35,000, HMRC will take this payment back. This income threshold applies to an individual’s income, not joint incomes.
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 on 31 December 2026.
The Warm Home Discount Scheme is open for 2026-27. Under the Scheme, you can get a one-off £150 discount on your electricity bill.
For people who get certain qualifying benefits, the discount is applied automatically. However, if you don’t get the discount automatically, you’ll need to apply directly to your electricity supplier. Your supplier might have extra eligibility criteria.
The Smart Export Guarantee lets you sell extra energy you generate from renewable technologies like solar panels.
This isn’t automatic, so you need to sign up to an export tariff from an energy supplier. You don’t have to use the same supplier you get your energy from.
To be eligible, you need:
An MCS-certified renewable technology
A smart meter
Financial support and energy advice in Wales
Visit Nest or call 0808 808 2244 for free energy advice and support.
You can get a package of free home energy upgrades to make your home warmer and lower your energy bills.
To apply, you must:
be a homeowner or private tenant
claim a means-tested benefit or live in a low income household
have an EPC rating of E or less (D or less if someone living there has an eligible medical condition)
The Boiler Upgrade Scheme is a grant of up to £7,500 off the cost of installing a heat pump or biomass boiler.
To be eligible, you need to:
Own your home
Swap a fossil fuel boiler or electric heating for a heat pump
Use a certified installer
For biomass boilers, you’re only eligible if the property is in a rural location and not connected to the gas grid.
If you’re using heating oil or liquid petroleum gas (LPG), you could get up to £9,000 off the cost of a heat pump. This increased funding runs until 31 March 2027.
You can get an interest-free loan from £1,000 to £25,000 to fund energy efficiency home improvements. You might also be able to access grant funding.
The scheme is for homeowners in Wales, subject to affordability and credit checks.
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 on 31 December 2026.
Over winter 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-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 £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 27 June 1960 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.
The Smart Export Guarantee lets you sell extra energy you generate from renewable technologies like solar panels.
This isn’t automatic, so you need to sign up to an export tariff from an energy supplier. You don’t have to use the same supplier you get your energy from.
To be eligible, you need:
An MCS-certified renewable technology
A smart meter
Financial support and energy advice in Northern Ireland
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.
Over winter 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-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 £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 27 June 1960 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 apply for a £100 pre-paid card to help with the cost of home heating oil.
There are two qualifying periods:
1 to 30 April 2026
1 to 30 November 2026
To be eligible, you need to be:
A resident of Northern Ireland
Receiving a qualifying benefit
To apply or for more information about the scheme and which benefits are eligible, visit nidirect.
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.
