To access Eco4 funding (Energy Company Obligation Phase 4) in the UK, landlords must meet specific eligibility criteria and follow a defined process. ECO4 is designed to improve the energy efficiency of homes, particularly those occupied by low-income and vulnerable households. Here's a comprehensive breakdown of what private landlords must do to access ECO4 funding:
1. Eligible Properties
- Must be located in England, Scotland, or Wales.
- Typically must have an Energy Performance Certificate (EPC) rating of D, E, F, or G.
- ECO4 prioritises EPC bands E, F, and G, with limited support for band D
- If the property is in EPC band A–C, it is not eligible for ECO4.
2. Eligible Tenants
To qualify for ECO4, at least one tenant in the property must:
- Be in receipt of an eligible means-tested benefit, OR
- Qualify under the ECO4 Local Authority Flexible Eligibility (LA Flex) scheme.
Examples of eligible benefits:
- Universal Credit
- Income Support
- Housing Benefit
- Pension Credit
- Child Tax Credit
- Income-based JSA or ESA
Local councils can define their own eligibility criteria (such as low-income households not on benefits, elderly residents, or those with long-term health conditions).
Types of Measures Covered
- Loft insulation
- Cavity wall insulation
- Solid wall insulation
- Room-in-roof insulation
- Air source heat pumps
- First-time central heating
- Solar panels (in some cases)
- Double or triple glazing (only as part of a wider package)
Measures must be part of a whole-house retrofit, usually following the PAS 2035 framework.
Steps for Landlords to Access ECO4
Step 1: Assess Property and Tenant Eligibility
- Check the EPC rating of the property (https://www.gov.uk/find-energy-certificate).
- Confirm the tenant receives eligible benefits or qualifies under LA Flex.
- For LA Flex: contact your local council to understand their criteria.
Step 2: Find an ECO4-Approved Installer
- Must use a TrustMark-registered installer working under PAS 2035.
- Choose a reputable retrofit coordinator or installer familiar with ECO4 schemes.
- Many installers will help with the application process.
Search here: https://www.trustmark.org.uk
Step 3: Conduct a Retrofit Assessment
- An assessment is carried out under PAS 2035, which includes:
- Energy performance analysis
- Occupant interview
- Condition survey
- A Whole House Retrofit Plan is created.
Step 4: Sign Landlord Consent and Agreements
- You must give written consent for any works to be carried out.
- May be asked to contribute financially if funding doesn't cover 100% of the costs (though many measures are fully funded for qualifying households).
Step 5: Installation of Measures
- Work is completed by certified contractors.
- You must allow reasonable access and provide safe working conditions.
Step 6: Post-Installation Checks
- Final checks and lodgement of documentation with Ofgem.
- You may receive updated EPC reflecting improved rating.
Additional Notes
- No direct funding is paid to landlords — the funding covers the cost of measures via the installer.
- Landlords must not charge tenants for works carried out under ECO4.
- Properties with outstanding repair issues (e.g. damp, structural defects) may not be eligible until these are resolved.
- Landlords may need to sign a declaration of ownership and permission to install.
Helpful Resources