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Private Sector Housing Assistance Policy

Appendix 10

Discretionary Heating or Energy Efficiency Measures Installation Loan
Purpose of assistanceProvision of an equity loan to undertake the installation of new central heating systems, and/or the installation of insulation measures, where the resident has a health-related vulnerability exacerbated by living in a cold home.
Maximum grant/loanSubject to funds being available, loans up to a maximum of £30,000 are possible with the advance being no more than 35% of the free equity in the property and secured on the property. This means the loan is secured on the property and no scheduled repayments are due.
Eligible persons

The resident must own or their home, have an annual household income of less than £36,000 and meet one or more of the following:

  • in receipt of Incapacity Benefit
  • is aged 65 and over, or has a child under 5, or is pregnant
  • is on the Energy Companies' Priority Services register
  • has a health or vulnerability condition that can be exacerbated by living in a cold home, as referenced in the National Institute for Health Excellence (NICE) guideline on "Excess winter deaths and illness and the health risks associated with cold homes"; this guidance identifies people with the following health conditions as being particularly vulnerable to cold:
  1. people with cardiovascular conditions
  2. people with respiratory conditions (in particular, chronic obstructive pulmonary disease and childhood asthma)
  3. people with mental health conditions, and
  4. people with disabilities
  5. people who are terminally ill
  6. people with suppressed immune systems (e.g., from cancer treatment or HIV)
Written confirmation from a GP, hospital consultant or other medical professional of qualifying conditions a) to f) will be required.
Eligible properties
  • houses
  • flats
  • bungalows
  • mobile homes
Scope of works

Works may include:

  • first time installation of gas fired central heating
  • first time installation of oil-fired central heating where no mains gas is available.
  • first time installation of air-source heat pumps
  • loft insulation
  • cavity wall insulation
  • solid wall insulation
Overview of the application processApplications for assistance can be made directly to the Independent Living Service.

 

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Last modified on 24 April 2026