How to Apply for ECO Funding in 2025 (And Get Your Home Upgraded for Free)

If you're struggling with high energy bills or living in a cold, inefficient home, you might qualify for help through the UK’s ECO4 scheme. Short for Energy Company Obligation, ECO is designed to help eligible households reduce fuel poverty and improve energy efficiency — and in 2025, it's easier than ever to apply. Here’s everything you need to know about getting free or heavily subsidised upgrades under ECO in 2025.

What is ECO4 and Why Was It Created?

ECO4 is the fourth version of the Energy Company Obligation — a government-backed initiative that requires large energy suppliers to fund energy-saving improvements in low-income or fuel-poor homes. The scheme helps people lower energy bills, stay warm in winter, and reduce carbon emissions — all at no or low cost to them.

What Upgrades Can You Get Under ECO4?

If you're approved for ECO funding in 2025, you could receive one or more of the following upgrades:

Loft, cavity wall, or solid wall insulation
First-time central heating installations
Air source heat pumps or smart heating controls
Boiler upgrades (if not replaced in past 10 years)
Room-in-roof insulation or underfloor insulation

Who Qualifies for ECO Funding in 2025?

Eligibility is based on a mix of personal circumstances and property characteristics. You may qualify if:

You receive qualifying benefits (e.g. Universal Credit, Pension Credit)
You have a low EPC rating (typically D, E, F, or G)
You live in a fuel-poor postcode or vulnerable household
You rent privately (with landlord consent) or own your home

How to Apply for ECO Funding

There are three main ways to apply for ECO4 in 2025:

Apply directly through a registered ECO installer
Use your energy supplier’s online application form (British Gas, Octopus, etc.)
Get matched through platforms like The Krowd for help managing the process

How The Krowd Can Help You Apply

If you don’t know where to start — don’t worry. The Krowd makes applying for ECO simple. We:

Pull your EPC data automatically
Match you with local, accredited ECO assessors
Track your funding journey and required paperwork
Provide advice if your landlord refuses to participate

What to Expect After You Apply

Once approved, an assessor will visit your home to recommend upgrades. You’ll receive a scope of works, and — if you’re happy — installation is typically completed within 2–6 weeks. Many homes receive £5,000–£15,000 worth of improvements completely free.

⚠️ FAQs About ECO4 Funding

**Can I apply as a tenant?** Yes, with landlord consent. Some councils support joint applications.

**Will this impact my benefits or rent?** No, ECO funding is non-taxable and doesn’t affect UC or PIP.

**What if I’ve already had insulation before?** You may still qualify for other upgrades like smart controls or heating.

Join The Krowd — and Warm Up for Less

We believe everyone should live in a warm, affordable, and sustainable home — regardless of income. Let The Krowd guide you through ECO and other energy-saving schemes. No jargon. No stress. Just action.