If you were wondering what sort of loft insulation grants are available in the UK, the answer is that there are a variety of options.

If you’re a homeowner or someone who rents that is eligible for a qualifying benefit, you should be able to collect a 100% FREE grant that does not have to be repaid.

Now, not everyone will qualify for a 100% free grant or funding, but don’t worry. We can still connect you with an authorized local installer who may conduct a free investigation and give you a quotation.

The cost of loft insulation usually ranges from £300 to £500.

Under the Green Deal and Energy Companies Obligation (ECO), the Government offers loft insulation grants to homeowners who install insulation in their homes.

The main energy suppliers, such as British Gas, NPower, E-ON, Octopus Energy, and others, are duty-bound by the government to pay for house insulation.

Loft insulation is a cost-effective and efficient means to save hundreds of pounds on your heating bills each year by preventing up to 25% of the heat in your home from escaping through the ceiling.

What Free Insulation Can I Get?

If you’re eligible under the ECO program, some suppliers will provide free insulation.

You might be eligible for example if you are receiving government assistance. However, how much your home will benefit from insulation is also a factor.

The Green Homes Grant scheme will also give free insulation to low-income households (you’ll need to be receiving certain government benefits in order to qualify).

If you don’t meet the criteria for this, the program will provide vouchers for approximately two-thirds of the cost of some types of insulation for homeowners in England.

Related: Are There Government Grants for Air Source Heat Pumps?

Who Qualifies For Loft Insulation Grants?

Anyone receiving one of the following benefits may receive a 100% Loft Insulation:

  • Armed Forces Independence Payment
  • Attendance Allowance
  • Carer’s Allowance
  • Child Benefit *
  • Child Tax Credit
  • Constant Attendance Allowance
  • Disability Living Allowance
  • Income-Based Jobseekers Allowance
  • Income-Related Employment Support Allowance
  • Income Support
  • Industrial Injuries Disablement Benefit
  • Pension Guarantee Credit
  • Personal Independence Payment (PIP)
  • Severe Disablement Allowance
  • Universal Credit
  • War Pensions Mobility Supplement
  • Working Tax Credit

You may be eligible for a loft insulation grant whether or not you are receiving child benefits, but only if your income is less than the amount shown below:

You must be the owner or a private renter of your residence and it must be occupied at the time of inspection to claim a Loft Insulation Grant.

Since they manage their own programs, tenants in social housing should contact their Council or Housing Association. If you own 50% or more of a Housing Association property, you can apply for a grant that will help with insulation costs.

Just remember that there must be 100mm or less of insulation already in your loft for you to claim the maximum grant.

In addition, as part of the project, tanks and piping are lagged, as well as the installation of draught excluders around the hatch and a walkway to any tanks that are more than 1 meter from the hatch.

Make sure the insulation covers 60% of the property. This is because extensions do not generally qualify for grant money.

Related: Solid and External Wall Insulation Grants

Grant For Loft Insulation Scotland

If you claim certain benefits or tax credits, your home may be eligible for free loft insulation in Scotland.

The most effective approach to reducing energy costs is to insulate your loft and cavities.

The Energy Company Obligation (ECO) program in Scotland offers grants for free loft insulation and cavity wall insulation.

This is an environmental initiative designed to reduce carbon emissions by making Scottish homes more energy-efficient.

Related: Understanding the Warmer Homes Scheme in Scotland

Grants For Loft Insulation Wales

The grants under The Energy Company Obligation (ECO) program in England are the same as in Wales.

The only difference is that the Welsh government is responsible for ECO grants in Wales, while the Scottish government is responsible for ECO grants in Scotland.

Which Type of Loft Insulation Is the Most Effective?

Spray foam insulation is the most effective type of loft insulation. It completely seals a space, preventing any heat from escaping. In addition, it lasts for decades and does not settle like other types of insulation.

Related: FREE External Wall Insulation (GRANTS AVAILABLE)

How Much Does Loft Insulation Cost?

The cost of loft insulation will depend on the type of insulation you choose, as well as the size of your loft.

For example, a small attic with no beams or difficult-to-reach areas will be much cheaper to insulate than a large attic with many beams and difficult-to-reach areas.

Is My Property Suitable For Loft Insulation?

It has been found that 42 percent of UK homes with traditional lofts may still profit from having Loft Insulation installed.

Your property must have less than 100mm (4″) of Insulation presently in place to qualify for free Loft Insulation. The insulation will be topped up to a suggested depth of 270mm/11″.

The two other key factors to consider are that the Loft Insulation will be placed on the floor of the loft and that it must not contain any stored items. The loft must also provide easy access for workers to enter, as well as adequate headroom for installation.

You will NOT be able to have Loft Insulation installed if:

  • Excess insulation is already in place. The majority of homes with 100mm (4″) or less should qualify.
  • There is no entrance, or it's too narrow. The hatch should be 400mm/16″ square.
  • From the joists to the peak of the roof, there is less than 4 feet/1.2m of headroom.
  • There are a lot of stored items and you are not ready to get rid of them.
  • You are not prepared to remove the boards from the loft. Boarding is allowed a maximum of 20%.
  • Is there any moisture? Before applying, any damp issues must be addressed and dried.
  • You want either a sloping roof (under the tiles), a flat roof, or under-floor Insulation.
  • If you want to install loft Insulation yourself. It must be carried out by a qualified installer to qualify for the grant.
  • You need a certain type of Loft Insulation, such as sheep's wool.

The Different Types of Loft Insulation

  • There are various different types of loft insulation, including Spray Foam Insulation, Blanket Insulation, Loose-fill Insulation, Sheet Insulation, and Blown-fibre Insulation.

Spray foam insulation

Spray foam insulation, often known as spray polyurethane foam (SPF) or spray foam, is a type of building insulation.

Spray foam insulation may be used to insulate your roof, loft, walls, and floor in order to retain heat and reduce energy expenses.

Blanket insulation

Batts and rolls are the most popular forms of blanket insulation. Batts or rolls are the most common type of blanket insulation, made up of flexible fibers such as fiberglass.

Mineral (rock and slag) wool, plastic filaments, and natural fibers like cotton and sheep's wool may also be used to make batts and rolls.

It's typically the most inexpensive option and an excellent all-purpose insulator, particularly for joists. It's the simplest to install, but it isn't suitable for the roof.

Loose-fill insulation

Loose-fill insulation is made up of tiny particles of fiber, foam, or other substances.

These little particles create an insulating substance that can fit any shape and does not harm finishes or structures.

It may be used as a topping on top of current insulation or alone. The major drawback is that it isn't very secure and can be extremely messy!

Sheet insulation

The panels used in sheet insulation are often made of polymers that are extruded or pressed into thin sheets.

Foam Sheets can be utilized for both the outside and inside of your property. The denser, more compacted foam sheets are better at preventing airflow than the looser weaves of batting and fill insulation.

Sheets of insulation may be used to effectively insulate your loft area while also being decorated over.

The main disadvantage is that sheet insulation, in general, is the most expensive form of insulation.

Blown-fibre insulation

A layer of loose-fill between the joists is a good option for difficult-to-reach areas, but it isn't sufficient in a draughty loft. It's also pricey and needs to be installed by an expert.

Loft Insulation FAQs

Can you get free loft insulation if not on benefits?

No. Cavity Wall and Loft Insulation are usually free for anybody who receives a qualifying income/disability benefit or tax credits.

Boarding out a loft cost

The cost of loft boarding varies greatly depending on the material used and the complexity of the installation. On average, you can anticipate paying £55 per m2 for this sort of loft boarding.

A more sophisticated raised system lifts the boarding above the ceiling joists. This is a great method to allow air circulation beneath the boards while also reducing condensation and dampness concerns. A 15m2 loft area will set you back an average of £1,350, with costs rising as m2 rises.

How long does loft insulation last?

Loft or attic installation lasts approximately 30-40 years. It's one of the home improvements that will pay for itself many times over.

How long does loft insulation take to install?

It takes around 2-3 hours (depending on the size of your loft) to install loft insulation in a typical three-bed semi-detached house or bungalow.

Installing loft insulation is a quick and easy way to reduce your energy consumption and save money on your energy bills.

How can I tell if my loft already has too much Insulation?

There is no real maximum depth for loft insulation. However, the recommended depth is usually around 270mm (10.5").

You can check the depth of your existing insulation by measuring from the top of the ceiling joists to the top of the existing insulation.

If the Insulation is level with or less than the floor joists in the loft (i.e., 4 inches or less), you will most likely be eligible for a grant to top up the insulation.

What if my loft is boarded?

Boarding is permitted in a very limited amount, but if the quantity exceeds 20%, the boards will need to be raised before work can start. This is down to the fact that the insulation is thicker than usual and you will have to raise the joists with blocks if you replace the boards.

What if I have damp in my loft?

Before you can apply for a Loft Insulation Grant, the source of the damp must be addressed and the loft must be dried out. Damaged tiles and poor ventilation are two common causes of dampness in lofts.

My hatch is too small. Can I still install Insulation?

The loft hatch must be 400mm by 16 inches. Depending on the type of grant and your financial circumstances, the installers may be able to increase the size of the hatch for you.

Can you install loft insulation if I have a lot of stored items?

Even though installers can work around a few items, it is recommended that the loft be completely clear before work begins. This is for both the safety of the workers and to ensure that the insulation is installed correctly.

If you have a lot of stored items, you may want to consider renting a storage unit for the duration of the project.

Do loft insulation grants cover the sloping part of the roof?

No. The grant program for Loft Insulation covers only insulations put down in blankets on the floor of the loft between and then across the joists. We can, however, provide grants for Room in Roof Insulation.

What if I don’t want mineral wool (glass fibre) Insulation?

Unfortunately, the Grant program does not cover various types of insulation such as sheep's wool, waste materials, and so on.

Does loft insulation have any health risks?

No, once the insulation is complete, the hatch is draught proofed, and any gaps are sealed, there is no health risk. It is not recommended to go into the loft too soon after the insulation has been installed.

Can I get a grant to do the work myself?

No, unfortunately not. ECO Grants are only available for professional installation.

If you have any doubts, contact the official grant provider in your area and ask them where they get their discounts.

DIY stores occasionally offer rolls of insulation at a reduced rate through government or similar grant programs.

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Passionate about helping households transition to sustainable energy with helpful information and resources.

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