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    • Eco Home Hub
    • Funding Eco Home Improvements

    Funding eco home improvements

    Looking to make your home more energy efficient? Find financial support and government grants to fund your improvements.

    Eco home improvement support

    There are various options to support your energy-efficient home improvements and bring your plans to life:

    • Loans, remortgaging or additional borrowing.
    • Government grants and schemes.
    • A eco home tool to identify energy-saving solutions for your home.

    We also offer guidance on additional government support for energy costs, including Winter Fuel Payments and the Warm Home Discount Scheme.

    Helping you find the right borrowing solution

    Considering energy-saving improvements? Explore our borrowing options to find the right fit for your needs.

    A personal loan

    Personal loans with fixed interest rates and a choice of repayment terms could help you achieve your eco home improvements.

    Personal loans

    Remortgage to us

    Switch your mortgage and explore potential savings. If you have home equity, you might qualify for additional borrowing to upgrade your home, depending on application and assessment.

    Remortgage

    Borrow against your home

    If you’ve had your Lloyds mortgage for at least six months. You could borrow more on your current mortgage to make your energy-efficient improvements a reality.

    Borrow more

    A credit card

    You might consider a credit card with low-interest rates and promotional offers. If you're looking to use a credit card to pay for smaller home upgrades one with these types of offers could save you money.

    Credit cards

    Taking out any lending is a commitment, so it’s important to make sure it’s right for you.

    It’s also important to work out the full cost of each option by looking at any interest and fees that will be charged.

    All lending is subject to application and an assessment of your circumstances.

    Eco home improvement grants and schemes

    Explore funding options to improve your home's energy efficiency and save you money.

    • Energy Company Obligation Scheme (ECO) expandable section

      The UK government has launched the Energy Company Obligation (ECO) to boost energy efficiency in homes across the country. This scheme encourages investment in greener technologies. As a result, you can make your home more cost-effective and environmentally friendly.

      Who can apply?

      You can apply for ECO assistance through your local council or energy supplier. However, you must meet specific criteria to qualify. This scheme is available to those living in social housing or renters already receiving benefit support. To be eligible, you must demonstrate that:

      • you own or privately rent your property
      • your home has an energy rating from D to G
      • you qualify for Universal Credit, Tax Credits, Child Benefits or another UK benefit allowance.

      Your energy company should be able to show a full list of qualifying benefits. You only need to qualify for one type of support to apply for the scheme.

      Through the Energy Company Obligation you could get help with the costs of wall insulation, loft insulation or even a discount on a new boiler.

      How to apply

      Use Ofgem’s supplier contact details to check if your supplier is part of the ECO scheme and get in touch with them. For more information visit ofgem.com.

    • Boiler Upgrade Scheme (BUS) expandable section

      The government wants to encourage property owners in England and Wales. It’s offering grants to help install low-carbon heating systems. This support comes through the Boiler Upgrade Scheme (BUS).

      The scheme is open from 2022 to 2028 with one grant per property.

      You can get:

      • £7,500 off the cost and installation of an air source heat pump
      • £5,000 off the cost and installation of a biomass boiler
      • £7,500 off the cost and installation of a ground source heat pump.

      For the latest information, including the eligibility criteria, visit GOV.UK.

    • Great British Insulation Scheme expandable section

      The council will provide important improvements to families in lower council tax bands with less energy-efficient homes. These improvements may include roof insulation, loft insulation, or cavity wall insulation.

      This support will run alongside the existing Energy Company Obligation (ECO) scheme, which offers free home energy-efficiency improvements, such as insulation, heat pumps and solar panels to families on low incomes.

      Apply for support from the Great British Insulation Scheme through the government website.

    • Smart Export Guarantee (SEG) expandable section

      If you have renewable energy measures in your home or want to install them, you may qualify for the Smart Export Guarantee (SEG). If your electricity comes from solar panels, wind, anaerobic digestion, or hydro-micro combined heat and power, you can sell excess energy back to the national grid.

      Make sure you sign up to the SEG tariff to receive payment. If you don’t, your energy will go back into the grid, but you won't get paid for it.

      Find the latest information and sign up to SEG.

    • Warmer Homes Scotland expandable section

      If you're a private tenant or own your home, you may be eligible for Warmer Homes Scotland. This applies if you've lived in Scotland for more than 6 months. 

      You could get help to install energy-saving home improvements, including heating and wall and loft insulation.

      In many cases, all costs are covered by the Scottish government, but you’ll have to meet certain criteria. And if there’s a lot of work to be done, you may need to contribute.

      Find out more about the Warmer Homes Scotland scheme.

    • Home Energy Scotland Scheme and Loan (HES) expandable section

      The Home Energy Scotland scheme, offering government grants of up to £7,500 to help residents of Scotland make their homes more energy-efficient. Learn more about the financial support available to you.

      Or you may qualify for a government grant of up to £7,500 through the Home Energy Scotland Scheme for residents of Scotland.

      Find out more about financial support available through the Energy Saving Trust.

      If you don’t meet the criteria for Warmer Homes Scotland, or are a landlord, then the HES loan could be an option.

      It’s an interest-free loan to help you make energy-saving home improvements. The amount you can borrow will depend on what changes you wish to make.

      The Energy Saving Trust can tell you if you’re eligible and how to apply.

    • Nest Scheme Wales expandable section

      Nest is a Welsh government scheme designed to help Wales become more energy-efficient. The portal is full of useful information and advice on how to save energy, energy tariffs and benefit entitlements. And all of it is free.

      If you or someone in your household receives means tested benefits, you could be eligible for free home improvements.

      Find out more about Nest.

    • Affordable Warmth Scheme Northern Ireland expandable section

      The Affordable Warmth Scheme in Northern Ireland offers grants up to £7,500 to cover the costs of insulation, double glazed windows and heating updates.

      You may be eligible for this scheme if you:

      • live in Northern Ireland
      • own and occupy your house
      • rent from a private landlord
      • earn less than £23,000 a year.

      See the Affordable Warmth Scheme latest information and criteria.

    Eco home tool

    It’s easy to get started with our tool. You’ll just need to answer a few questions about your home to get your tailored action plan. 

    Ready to start saving?

    Follow these steps to identify and improve your home's energy efficiency. 

    Create my action plan

    Already started?

    Have you already started your customised action plan? Continue right where you left off.

    Retrieve my action plan

    Need other support?

    If you don't qualify for any funding, we're here for you. Visit our support and wellbeing page to find other ways we can help.

    Support and wellbeing

    Get the guidance you need to manage your finances. Whether it's budgeting, borrowing, saving, or helping others, we're here to support you.

    Money management

    Additional government support for energy costs

    Find government support that could help with your home energy costs. You may be entitled for grants to help reduce your energy costs.

    • Winter Fuel Payments expandable section

      What is the Winter Fuel Payment?

      The government’s Winter Fuel Payments could give you a grant to put towards heating your home each winter.

      Am I eligible for the Winter Fuel Payment?​

      To make sure you get the latest information, go to GOV.UK to find out more and check your Winter Fuel Payment eligibility.

      How to apply for the Winter Fuel Payment

      If you’re eligible for the Winter Fuel Payment there shouldn’t be a need to claim, but there are exceptions.

    • Warm Home Discount expandable section

      What is the Warm Home Discount?

      The Warm Home Discount Scheme gives you a discount off your winter electricity bill, paid each year. You may be able to get the discount on your gas bill, instead of your electricity bill, if your supplier provides both your gas and electricity. Contact your supplier to find out if so. You can find a full list of suppliers that are part of the scheme, and check your eligibility, on GOV.UK.

      How to apply for the Warm Home Discount

      Visit GOV.UK to apply.

      Each electricity supplier decides who will receive the discount and supplies are limited, so check as early as possible.

      The Warm Home Discount Scheme does not affect either the Cold-Weather Payment or the Winter Fuel Payment.

    • Cold Weather Payment expandable section

      What is the Cold-Weather Payment?

      If the average temperature in your area is forecast to be 0 degrees Celsius or lower, you might receive a Cold Weather Payment. This applies if the temperature stays below zero for seven consecutive days. It’s a local grant for each seven-day period of freezing weather.

      How to apply for a Cold-Weather Payment

      You don’t need to apply for a Cold-Weather Payment – it’s paid automatically. This scheme opens every year. Visit GOV.UK to check your eligibility and apply. 

    You may also like

    Eco home offers

    We love rewarding our customers for selecting more sustainable options for their homes. Terms and conditions apply.

    Eco home offers

    Heat pumps

    Heat pumps can be an energy-efficient way of heating your home. Traditional gas boilers use more energy than heat pumps for the same amount of heat.

    More about heat pumps

    Solar panels

    Solar panels generate power for your home and can help to improve your EPC rating by converting sunlight into clean, renewable energy.

    More about solar panels

    Eco home hub

    Find out more about our eco home offers, tips and tools to start saving energy. And learn how the accredited installers we’ve teamed up with could help.

    Eco home hub

    Person relaxing in garden.

    Eco home hub

    Find out more about our eco home offers, tips and tools to start saving energy. And learn how the accredited installers we’ve teamed up with could help.

    Eco home hub

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