Insulation Grants, Cashback and Loans

Insulation Grants, Loans and Cashback.

Please not this article is dated 2022 and is currently out of date.

There are currently funding and loan offers for Insulation from the Energy Savings Trust through Home Energy Scotland for Homeowners in Scotland. They offer interest free loans for home insulation, energy efficiency upgrades and renewable energy, which are funded by the Scottish Government. The insulation measures we provide which qualify are:

Draught proofing

Loft Insulation

Room in Roof Insulation

Underfloor Insulation

External Wall Insulation (applied to the inside of the walls)

How to get Cashback and Interest Free Loans for Insulation

If your home can be insulated it would be worth approaching Home Energy Scotland to arrange loan funding for the insulation measures you would like to install. The first step would be for us to survey your home and advise on possible options, while providing a written quote for the work.

You would then call Home Energy Scotland to advise them you wish to arrange funding. They will then ask a series of questions and provide some generic advice which, while beneficial, is not actually specific to your home nor always practical to install. Before Covid they would insist on a home visit, but currently the process seems to be entirely telephone based. As they are using a simplified version of EPC software to offer recommendations, you might not always get the right advice.  One example we have come across was a customer installing a Heat Pump was required to install Cavity Wall Insulation, however they were a third floor flat with no prospect of having cavity insulation installed. Although the advice is well meaning, should you require assistance in dealing with them then please feel free to get back in touch with us and we can try help you navigate the system.

Once you have passed the initial questions and are able to proceed with your chosen insulation, Home Energy Scotland will send you an online loan application form. You would send the quote from your chosen installer to support your application. They do advise you get 3 quotes, but you can get as many or as little as you wish.

How much cashback and funding can you get?

The amount of cashback and available interest free loans varies by the measure you are installing. Currently there is up to 40% Cashback offered to cover part of the cost.

The amounts are:

Loft Insulation: Up to £1,000 made up of a £600 loan and £400 cashback.

Floor Insulation: Up to £1,000 made up of a £600 loan and £400 cashback.

Room in Roof Insulation: Up to £4,000 made up of £2,400 loan and £1,600 cashback.

Solid Wall Insulation: Up to £10,000 made up of £6,000 loan and £4,000 cashback.

Green Deal Installers

Home Energy Scotland website states installers "must be Green Deal Installers". This is not actually true and in any event there are very few green Deal Installers left in the UK. Even Installers claiming to be Green Deal are highly unlikely to have met the new administrative obligation of the new PAS2035 certification.

The good news is, we have been installing insulation for 14 years, 8 of which we have been Green Deal Installers, and installed tens of thousands of properties with insulation in their floors, walls, loft and roof spaces. We are qualified to install Loft, Underfloor, Room in Roof and Internal Wall Insulation.  We have installed many jobs through the Home Energy Scotland loans and cashback scheme, although they always do state they require a Green deal Installer to start with.

As we are fully qualified, experienced, insured and offer guarantees for our work and are currently members of the National Insulation Association we are actually able to install jobs under this scheme. When we send out our quotes we include a document on our skills and experience which meet all the requirements of this scheme. Sometimes the application process is simple, sometimes the "computer says no". If you experience any difficulties with Home Energy Scotland not accepting our quote with the supporting documentation then please do get back in touch so we can help you navigate this part of the process. Hopefully you get lucky first time and get someone who knows what they are talking about, but that is not always the case in our experience.

Always here to help.

From personal experience we know the process is not simple to successfully navigate. Should you need any help or guidance at any step of the way, please feel free to give us a call on 0141 478 4789. We're always happy to help.

Home Energy Scotland 0141 478 4789