Insulation grants in Scotland
Insulation grants in Scotland come from the Scottish Government, through Home Energy Scotland. Most homeowners can get a grant and loan, and lower-income homes can have the work done free.
- £7,500
- a grant for insulation, whatever you earn
- £18,000
- the highest total in rural areas
- £10,000+
- Help at no cost through Warmer Homes Scotland
Scotland's insulation grants, one scheme at a time
Most of the help comes from two Scottish schemes. Some UK-wide schemes work here too.
| Scheme | Open now? | Who it is for | What it pays for | How much |
|---|---|---|---|---|
| Grant and interest-free loanHome Energy Scotland Grant and LoanApply on the official site | OpenOpen until the money for the year runs out | Anyone in Scotland who owns and lives in their home, whatever they earn. You get a grant, and can add a loan you pay back with no interest. | Insulation, heat pumps, heat network connections, storage heaters | £7,500 + £7,500Up to £7,500 for insulation and another £7,500 for a heat pump or other clean heating. Rural homes can get up to £18,000. |
| Free work for lower incomesWarmer Homes ScotlandApply on the official site | OpenApply through Home Energy Scotland | People who own their home or rent it privately and get certain benefits, or who are 75 or over with no working heating | Insulation for walls and lofts, plus draught-proofing, central heating, heat pumps and renewables. | £10,000+Support worth this or more, usually free |
| Low-interest loanWarm Homes Loan SchemeOfficial page | Starting through lendersLenders from June 2026; first loans to households from September 2026 | Owner-occupiers and private landlords with no income test; the lender checks what you can afford | Batteries, solar panels and heat pumps come with cheaper loans (insulation paired with a heat pump is not included) | Up to £35,000A cheaper loan, with limits of £15,000 for solar or a battery, £20,000 for air source heat pumps and £35,000 for ground source ones |
| Supplier scheme, closedECO4 (Energy Company Obligation) | Closed to new homesEnds 31 December 2026, finishing existing work onlyReplaced by the Warm Homes: Local Grant | It used to serve homes on benefits or a low income; the only work left is what was already agreed | Insulation and heating, which energy suppliers used to pay for | No new funding |
| Supplier scheme, closedGreat British Insulation Scheme | ClosedApril 2023 to 31 March 2026Replaced by the Warm Homes: Local Grant | It served homes rated EPC D to G in lower council tax bands, plus low-income households | One insulation measure per home, which energy suppliers used to pay for | No new funding |
Often asked about, though not insulation grants: the Warm Home Discount, £150 off the electricity bill, and the Smart Export Guarantee, money for solar power sent to the grid.
Which Scottish scheme suits you?
Home Energy Scotland grant and loan
Open to any homeowner who lives in the home, no matter how much they earn. It pays up to 75% towards insulation costs, up to £7,500, plus as much as £7,500 towards a heat pump, and interest-free loans on top.
Warmer Homes Scotland
It's open to owners and private tenants getting a qualifying benefit, or whose home has someone aged 75 or over and heating that doesn't work. Warmworks carries out the work, and most people pay nothing.
Extra help for rural and island homes
Island and rural homes get an extra £1,500 for insulation and again for the heating grant, so grants can total up to £18,000.
Tenants and landlords in Scotland
A private tenant can get Warmer Homes Scotland if the landlord agrees. Home Energy Scotland's grant and loan can't be used by private landlords, but the Private Rented Sector Landlord Loan is open to them. Read the details at mygov.scot.
Common questions about insulation grants in Scotland
Is there free insulation in Scotland?
Yes, for households who qualify for Warmer Homes Scotland. In most cases the Scottish Government pays the whole cost.
Can I get an insulation grant in Scotland on a good income?
Yes. The Home Energy Scotland grant and loan has no income or benefit test. It covers up to 75% of what insulation costs, with a ceiling of £7,500.
Does the Boiler Upgrade Scheme work in Scotland?
No. It covers England and Wales. For heat pump help, Scottish homeowners turn to the Home Energy Scotland grant and loan.
Who do I contact first?
Home Energy Scotland. It gives free advice and handles applications for both schemes.
Get an installer survey quote
Want a price as well as the grant? Accredited installers in Scotland can survey the home and quote.