The Short Answer
In our view Scotland is the best place in the UK to insulate a home. The Home Energy Scotland Grant and Loan pays up to 75% of the cost of insulation, up to £7,500 in grants, with an interest-free loan for more, and it isn't means tested: you need to own the home and live in it. If you're on a qualifying benefit or 75 and over with no working heating, Warmer Homes Scotland can do the work for free in most cases.
One call to Home Energy Scotland on 0808 808 2282 covers both. ECO4 is another route until 31 December 2026.
Work Out Your Grant
Home Energy Scotland grant calculator
How much would the grant and loan cover?
Tick what you're having done and put in your quotes. Uses the caps Home Energy Scotland publishes, checked 12 October 2026.
Pre-filled: Energy Saving Trust, bare loft to 270mm
Pre-filled: Energy Saving Trust, typical home
£2,950
total cost
£2,213
grant, yours to keep
£737
interest-free loan
£0
left to pay up front
The grant is held down by the 75% limit. You'd pay £737 in the end, 25% of the cost, all of it spread over the loan term at 0%.
You need to own the home and live in it as your main residence. Funding is first come, first served, and it's only reserved once you have a written offer, which lasts nine months. Spray foam insulation isn't funded. Apply through Home Energy Scotland on 0808 808 2282.
Home Energy Scotland Grant and Loan
| Improvement | Grant | Interest-free loan |
|---|---|---|
| Solid wall insulation (internal or external) | £7,500 | £2,500 |
| Flat roof or room-in-roof insulation | £3,000 | £1,000 |
| Loft insulation | £1,500 | £500 |
| Cavity wall insulation | £1,500 | £500 |
| Underfloor insulation | £1,500 | £500 |
| Glazing, replacing single glazing | Not available | £8,000 |
| Insulated doors | Not available | £4,500 |
| Draught proofing | £375 | £125 |
| Heating controls | £450 | £150 |
Per improvement, from Home Energy Scotland's published table. Grants are up to 75% of the combined cost, to £7,500; the rest can be an optional interest-free loan. Draught proofing and controls only count alongside a main improvement. Spray foam insulation isn't funded. Rural and island homes get an extra £1,500 on the energy efficiency grant. Funding is first come, first served and only reserved once you have a written offer, which lasts nine months.
Warmer Homes Scotland
Warmer Homes Scotland offers support "worth £10,000 or more", including wall and loft insulation and draught-proofing. In most cases the Scottish Government meets all the costs. It's for homeowners and private tenants (with the landlord's permission) who've lived there at least six months, in a home with a poor energy rating, 230 square metres or less, in council tax band A to G, where someone is 75 or over with no working heating, holds a DS1500, SR1 or BASRiS form, or gets a qualifying benefit. Our Scotland heat pump grants page has the details.
ECO4 and Council Schemes
ECO4 covers Great Britain, for households on qualifying benefits, until 31 December 2026. The Great British Insulation Scheme closed on 31 March 2026. If you don't qualify for Warmer Homes Scotland, Home Energy Scotland also points to area-based schemes run by councils, so ask yours whether one covers your street.
What It Costs
The Energy Saving Trust puts a bare loft to 270mm at about £750, cavity wall insulation at about £2,200 for a typical home, and solid wall insulation for a 3-bed semi at about £12,000 inside or £15,000 outside. Our insulation costs guide has the savings.
Frequently Asked Questions
Paying yourself, or topping up a grant?
The Home Energy Scotland grant covers up to 75% of insulation costs, so you still need a price for the job. Compare quotes from up to 3 local insulation installers. Free, no obligation, about 60 seconds.