How To Choose ECO4 or GBIS Funding For Home Improvement Projects

Regardless of the time of year, here in the UK we’re reminded of the importance of effective home heating and insulation.

Draughts seem to appear out of nowhere, and it can be tempting to leave the heating on even when the sun’s out.

For those of us thinking of upgrading their home heating, a big question is always in the front of the mind – how do I finance such a project?

Well, you can find out in today’s blog, where we discuss whether ECO4 or GBIS funding for home improvement projects will be right for you.

Which is which?

If you’re new to this topic, you may not have heard of ECO4 or GBIS funding for home improvement projects.

Here’s a quick summary of each.


ECO4 stands for Energy Company Obligation.

The scheme was introduced in July 2022 by the UK Government’s Department for Business,

Energy and Industrial Strategy (BEIS).

The aim of the ECO4 funding scheme is to reduce carbon emissions from the UK housing sector, reduce energy bills through improved home efficiency, and stimulate investment in UK-based energy-saving technology.

The scheme is regulated by the Office of Gas and Electricity Markets (Ofgem), to ensure energy suppliers comply with their ECO obligations.


The GB Insulation Scheme (GBIS) was launched in September 2020 in conjunction with a wider Green Homes Grant initiative, by the BEIS.

The GBIS aims to encourage homeowners to invest in home improvements that will save energy and reduce carbon emissions, while also stimulating economic activity within the green construction industry.

Naturally the GBIS also supports the UK net-zero carbon emissions target.

Eco or GBIS Funding?

Choosing ECO4 or GBIS Funding For Home Improvement Projects

While both offering funding for eco home improvement projects, the ECO4 and GBIS funding schemes work in slightly different ways, meaning they’re better suited to different people.

Let’s explore these differences.


The ECO4 scheme prioritises households with a low income, in order to lower their energy bills and carbon footprint, while the GBIS focusses on homeowners based in England and Wales who are keen to invest in a wider range of energy-saving home improvements.


There are big differences in the eligibility criteria between ECO4 and GBIS funding for home improvement projects.

For ECO4, you must receive means-tested benefits such as Universal Credit, Income Support, or Pension Credit Guarantee Credit.

Meanwhile GBIS doesn’t have a strict household income requirement – however it arguably favours middle and higher-income households due to the loan component of funding.

ECO4 is also available to those who live in social housing properties with a low EPC rating (D or below).

GBIS is only available to homeowners where their housing has an EPC rating of D or below.


There isn’t a set amount of funding available through ECO4 – the amount given is dependent on the energy-saving measures that are due to be installed, as well as the property location.

The GBIS on the other hand offers vouchers worth between £5,000 and £10,000 depending on the scope of the project.

So, your overall income will greatly influence whether you choose ECO4 or GBIS funding for home improvement projects.


Both schemes offer measures such as loft insulation, wall insulation, solar installations, Air Source Heat Pumps and boiler replacements.


One insulation type only to be installed.


Potential you could have

  • Cavity or internal wall insulation
  • Loft insulation (If not already insulated)
  • High efficient air source heat pump
  • Solar PV

Application Process

With ECO4 funding, you simply contact us directly (or another supplier of course).

We’ll assess your eligibility and suggest suitable measures.

With GBIS, again you can apply through us.


Both ECO4 and GBIS are usually a grant program, so you wouldn’t be required to pay back any of the awarded money.

Scheme Availability

ECO4 is an ongoing scheme, however, the specific measures available can fluctuate.

Meanwhile GBIS has a finite budget and works on a first come, first serve basis.

Project Timeline

If you’re looking into funding because of something urgent like a failing boiler, you may prefer the ECO4 option, which may be faster as it is managed by energy suppliers who are experienced in handling such situations.

GBIS, however, may involve a longer wait time due to the longer application process and dealing with project quotes.

Regardless of whether you choose ECO4 or GBIS funding for home improvement projects, the funding will be paid directly to the installer.

Property Ownership

ECO4 is currently available to both homeowners and private renters alike, depending on other circumstances.

GBIS is usually only available to homeowners who are in council tax band A-D in England or A-E Scotland and Wales.


ECO4 covers the entirety of the UK, however, GBIS is only available to homeowners in England and Wales.

Your Next Green Home Improvement Project

Whatever the time of year, it’s always good to invest in your home, improve the efficiency of your heating and insulation, and live more comfortably.

Whether you choose ECO4 or GBIS funding for home improvement projects, Switched On Yorkshire can help you through the application process, as well as installation and implementation. Get in touch today to get started!  ECO4 or GBIS Funding For Home Improvement Projects.

01924 820005