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01 · Ask
Cavity, loft or solid wall?
Different house ages, different methods. Describe the property and the AI tells you which insulation type and grants apply.
Plan for Warm Homes Plan 2027.
Major new UK insulation and heating grants from 2027 — what's included, who's eligible, when to apply.
✓ Updated May 2026✓ Free quotes✓ Vetted pros
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Hire an insulation installer. Surveyed, grant-checked, sealed.
Read the brief on cavity surveys, grants and PAS 2035 — then let Three local installers quote.
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02 · Read the brief
Walk in informed
U-values, ECO4 eligibility, PAS 2035, CIGA guarantee, breathability rules. Know what to ask for.
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03 · Compare
Compare 3 installer quotes
Three local installers quote on the same spec — survey, depth, materials, guarantee — so the warmth is real, not on paper.
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Top tips
Hiring a insulation, without the regret.
Four moves that separate a smooth job from a nightmare.
Cavity walls need a survey first.
Some cavities can't be filled — too narrow, exposed walls, wind-driven rain zones. A reputable installer surveys before quoting; cowboys don't.
Loft insulation: 270mm is current standard.
Building Regs require 270mm of mineral wool (or equivalent). Older lofts often have 100mm or less. Top-up is cheap and pays back in a year.
Don't trap damp in solid walls.
External or internal solid-wall insulation can trap moisture. PAS 2035 retrofit assessment first — skip this and the wall rots from the inside.
Check grant eligibility before paying.
ECO4 covers full insulation costs for qualifying households. Check before paying — many installers won't mention it because it caps their margin.
Costs & timeline
Know what it costs. Know when it ends.
Indicative UK ranges and what affects price.
Cost range
By job type
Inc. VAT · 2026
Source: NMT quotes
Source: NMT quotes
Loft insulation (top-up)3-bed house
£250–£600
Cavity wall insulation3-bed
£500–£1.5k
External wall insulation (per m²)
£100–£180/m²
Internal wall insulation (per m²)
£60–£120/m²
Underfloor insulation (suspended)
£600–£2.5k
Floor insulation (solid floor)
£80–£160/m²
!
Quote spread is typically ± 18% — always get 3 quotes.
At a glance
Infographic · VideoThe Insulation briefing.
Infographic
Insulation quick-view
Video guide
Insulation explained
The Warm Homes Plan launches January 2027, replacing ECO4. £13.2 billion budget across this Parliament (£15bn with infrastructure). Funds insulation, heat pumps, solar PV, smart heating. Expect upgrades worth £3,000–£25,000 per UK home under Warm Homes Plan.
What Does the Work Involve?
Detail emerging late 2026. Likely whole-house retrofit approach. PAS 2035 coordinator manages project. Retrofit assessor surveys. Insulation, heat pump, solar combined. TrustMark installer. Means-tested funding plus broader access via low-interest loans.
Typical Costs
| Item | Expected (£) | Notes |
|---|---|---|
| Retrofit assessment PAS 2035 | 200-600 | Pre-works |
| Whole-house package qualifying | 0-3,000 | Heavily funded |
| Heat pump fully funded | 0-1,500 | BUS continues to 2028 |
| External wall insulation funded | 0-3,000 | Means-tested |
| Solar PV included possible | 0-2,000 | Pending detail |
| Smart heating controls | 0-500 | Smart thermostat |
| Annual budget allocation | £3-4bn | Per year average |
UK Regulations
Warm Homes Plan launches January 2027. PAS 2035:2023 retrofit standard mandatory March 2025. TrustMark certification. ECO4 ends 31 Dec 2026. GBIS ends 31 March 2026.
Frequently Asked Questions
When does Warm Homes Plan start?
January 2027. Detail emerging late 2026. Watch gov.uk announcements.
Replaces ECO4 and GBIS?
Yes — single successor programme. £13.2-15bn budget across Parliament.
BUS still continues?
Yes — heat pump grant extended to 2028 with £1.5bn extra funding.
Whole-house approach?
PAS 2035 fabric-first methodology. Retrofit coordinator manages full upgrade.
Means-tested?
Yes — Council Tax bands, benefits, EPC rating likely. Broader access via loans.
Should I wait?
If qualifying: maybe better terms 2027. Otherwise GBIS to March 2026, ECO4 to Dec 2026.
This guide was written with AI assistance and is intended for general information only. Prices are estimates based on UK averages and may vary by region. Always get at least three quotes and consult a qualified professional before starting any work.
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