If your home has a low energy rating (EPC), you can get free help to improve it. The Great British Insulation Scheme (GBIS) is a government-backed fund that targets "single-measure" improvements like loft or cavity wall insulation.
1. The 'Low-Income' vs 'General' Group
In 2026, GBIS is split into two categories:
| Group | Requirement | Cost for You |
|---|---|---|
| Low Income Group | Received Universal Credit, Tax Credits, or Child Benefit (within limits). | Free |
| General Group | Homes in lower Council Tax bands (A-D) with low EPC. | May require a small contribution. |
🚀 The Hustler's Strategy: The 'EPC D' Trigger
Not sure if your house qualifies? You can check it in seconds.
Keyword Strategy: The GBIS grant is only available for homes with an **Energy Performance Certificate (EPC)** rating of **D, E, F, or G**. Strategic Move: Check your rating on the **GOV.UK EPC Register**. If your home doesn't have an EPC, the insulation installer will often perform a "survey" for free as part of the scheme. Focus on **Cavity Wall Insulation**, as it is the most expensive single measure but the one most likely to be covered 100% by the grant if you are on Universal Credit.
2. What Measures are Covered?
Currently, the scheme covers:
- Cavity wall insulation
- Loft insulation
- Underfloor insulation
- Solid wall insulation (internal or external)
- Pitched roof insulation
3. How to Apply
You can apply through the official **government checker tool** or by contacting energy suppliers directly. You do NOT have to be a customer of a particular supplier to get a grant from them; they all have "obligations" to fill.
GBIS FAQs
Can I get help if I am a renter?
Yes, but you must have your landlord's permission. If you are on benefits, your landlord will likely agree as it increases the value of their property for free.
Is this Different from ECO4?
Yes. ECO4 is for "whole-house" upgrades (many measures at once), whereas GBIS is for single, high-impact measures. GBIS is often faster and easier to qualify for.
Author Profile
Benefit Experts Editorial Team
Benefit Experts Team – Independent UK benefits guidance. We provide independent, authoritative guidance to help UK citizens navigate the complex benefits system with confidence.