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04 Owner Occupied Sector

Funding sources featured in this section are relevant to owner occupiers seeking to improve environmental, economic and social sustainability of their homes and places where they live.

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  • Ashden Awards

    Ashden Awards aim to fund practical, local energy solutions that cut carbon, protect the environment, reduce poverty and improve people’s lives.

    Funding Levels: Awards with prizes between £5,000 and £40,000.
    [Find out more]
  • Assisted Connections

    This initiative has the support of Ofgem and is designed to assist customers in existing housing who live in areas that are considered to be among the most deprived in the country.

    Funding Levels: For those within mains gas areas we expect the majority of connections to be free of charge. In other cases qualifying connections may also be free or at least significantly reduced when customers submit our special “Assisted Connections Voucher” along with a connection request.
    [Find out more]
  • British Gas Home Insulation

    The British Gas Home insulation scheme offers: cavity wall insulation loft insulation .

    Funding Levels: *Until 30th November 2012, British Gas is offering free loft and cavity wall insulation to anyone, even if you're not a British Gas customer.* Subsidised cost of cavity wall insulation £249, loft insulation £225. For British Gas customers receiving income or disability-related benefits - or aged 70 or over, the above is free.
    [Find out more]
  • Building Repair Grant

    Under the agency’s Historic Building Repair Grants Scheme, financial help is available to owners to meet the cost of high-quality repairs using traditional materials and specialist craftsman to conserve original features in buildings of special architectural or historic interest.

    Funding Levels:
    [Find out more]
  • Carbon Emission Reduction Target (CERT)

    The Carbon Emissions Reduction Target is about reducing carbon dioxide emissions, one of the main causes of climate change.

    Funding Levels: It is estimated that CERT would stimulate approximately £3.2 billion of investment by energy suppliers in carbon reduction measures. 40% of this will need to be invested in the priority groups which includes those on low income and the elderly (over 70). Within this 15% of the target is to be achieved within a super priority group of those perceived to be most vulnerable. The amount of funding available is dependent on the supplier and therefore it is advisable to contact several suppliers in order to attain the best deal. CERT is funded by energy suppliers through customers’ bills.
    [Find out more]
  • Care and Repair

    Care and Repair services help older and disabled owner-occupiers, tenants of private landlords and crofters to repair, improve and adapt their homes.

    Funding Levels: £8m across Scotland. Adequately funding Care and Repair services is a requirement of the Private Sector Housing Grant (PSHG) that each local authority receives from the Scottish Government. Most local authorities use this funding together with their own contribution to pay a managing agent such as a Registered Social Landlord (RSL) to establish and run a local Care and Repair project. Some local authorities do this for themselves and some projects are stand alone.
    [Find out more]
  • Community Energy Saving Programme (CESP)

    Whole house approach to energy efficiency, funded by the energy suppliers and generators.

    Funding Levels: £350 million programme. The amount of funding available is dependent on the supplier and therefore it is advisable to contact several suppliers in order to secure the best deal.
    [Find out more]
  • Council Tax Rebates

    Under Section 65 of Climate Change (Scotland) Act 2009, every Scottish Local Authority has been given powers to establish a scheme to give discounts on council tax bills for householders installing energy efficiency measures.

    Funding Levels: Council Tax Rebates are still to be established by individual councils.
    [Find out more]
  • Energy Assistance Package (EAP)

    The EAP is a holistic package to help maximise incomes, reduce fuel bills and improve the energy efficiency of homes.

    Funding Levels: £48m fund for both EAP and Home Insulation Scheme. Up to £6,500 per applicant EAP FAQs.
    [Find out more]
  • Energy Efficiency Design Awards

    This grant has now closed the following is for information only.
    Projects should be located in Scotland, be primarily residential and achieve cuts in carbon dioxide emissions of at least 40%.

    Funding Levels: Maximum award for a single project will be £250,000.
    [Find out more]
  • Energy Saving Scotland Home Loan Scheme

    This grant has now closed the following is for information only.
    Interest Free loans for cavity wall or solid wall insulation and/or loft insulation...

    Funding Levels: Interest free loans of up to £4, 000. Repayments in monthly instalments over a maximum of eight years. Can be combined with Energy Saving Scotland home renewables grants and funding from fuel suppliers under the Carbon Emission Reduction Target.
    [Find out more]
  • Esmée Fairbairn Foundation

    Esmee Fairbairn Foundation aims to improve the quality of life for people and communities in the UK both now and in the future.

    Funding Levels: The Esmée Fairbairn Foundation aims to commit £30 million annually towards a wide range of work.
    [Find out more]
  • Feed in Tariffs (FITs)

    The introduction of Feed in Tariffs aims to incentivise the installation of small scale, low carbon electricity generating technologies.

    Funding Levels: Generation tariff - your energy supplier will pay you a set rate for each unit (or kWh) of electricity you generate. Once your system has been registered, the tariff levels are guaranteed for the period of the tariff (up to 20 years) and are index-linked. For a full list of generation tariffs, see the Feed in Tariffs on the Ofgem website.  Export tariff - you will get a further 5p/kWh (non-solar PV as of 1 December 2012) from your energy supplier for each unit you export back to the electricity grid, so you can sell any electricity you generate but don't use yourself. This rate is the same for all technologies. At some stage smart meters will be installed to measure what you export, but until then it is estimated as being 50% of the electricity you generate (so that if your solar PV system is less than 30kWp you do not need to have an export meter fitted). Feed in Tariffs on the Ofgem website Read about FITs on the Energy Saving Trust website
    [Find out more]
  • Grants for Mid Market Rent

    Grants for Mid Market Rent properties are aimed at assisting people on low and modest incomes to access affordable rented accommodation.

    Funding Levels:
    [Find out more]
  • Grants to improve the Physical and Social Environment (GPSE)

    This grant has now closed the following is for information only.
    Grants to improve the Physical and Social Environment (GPSE) must be related to housing either by providing or improving a facility for use by local residents or by contributing to the regeneration of areas through physical change or through the stimulation of economic activity.

    Funding Levels:
    [Find out more]
  • Home Insulation Scheme (HIS)

    This grant has now closed the following is for information only.
    Home energy audit, advice on making your home more energy efficient, and information on services from the Energy Saving Trust.

    Funding Levels: £48 million fund for both Home Insulation Scheme and Energy Assistance Package, (£14 million for HIS alone) with HIS funding subsidising material and installation costs, with applicant typically responsible for the cost of cavity wall insulation between £89 to £199 and the cost of loft insulation between £109 to £249 depending on the area.
    [Find out more]
  • Home Loans Scheme

    Energy Saving Scotland home loans are interest free and can help you stop wasting energy, lower fuel bills and tackle climate change.

    Funding Levels: Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies Loans are interest free so you only pay back what you borrow Applicants can pay back the loan in monthly installments over a maximum of eight years. Interest free loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV)
    [Find out more]
  • Home Owners Support Fund

    The Scottish Government operates 2 schemes as part of the Home Owners Support Fund,  to help owners who are experiencing difficulty in paying any loans that are secured against their property.

    Funding Levels: £18.5 million to mortgage help.
    [Find out more]
  • Home Renewables Grants

    This grant has now closed the following is for information only.
    Residential buildings, following, where practical, installation of: Loft insulation to 270mm Cavity wall insulation (where there are cavity walls).

    Funding Levels: Grants of 30%, up to £4,000, of the total cost of products and installation.
    [Find out more]
  • Home Renewables Loan Scheme

    The loans are time-limited and operate on a first-come first-served basis.

    Funding Levels: Heat generating technologies – Interest free loans of up to £10,000 for heat generating renewables systems such as heat pumps, biomass boilers and solar thermal.   These renewable heat loans will have a repayment period of up to 8 years. Electricity generating technologies – Interest free loans of up to £2,000 for electricity generating renewables systems such as solar PV, wind turbines and micro hydro.  These renewable electricity loans will have a repayment period of up to 4 years. Try our Cashback Calculator tool and check our renewables webpages to help you discover how much money you could potentially earn and save and by how much you will cut your CO2 emissions when installing a renewables system.
    [Find out more]
  • Household Energy Management Strategy

    The Strategy paves the way for .

    Funding Levels:  Puts the cap on loans secured against homes at £10,000; an increase from the early proposal of circa £6,500
    [Find out more]
  • Lead Tenancy

    This grant has now closed the following is for information only.
    The Lead Tenancy scheme is designed to bring into housing use vacant privately-owned properties.

    [Find out more]
  • Low Carbon Buildings Programme 1

    This grant has now closed the following is for information only.
    Grants were provided towards the cost of installing the following technologies: Solar thermal hot water Ground source heat pumps Air source heat pumps Wood fuelled heating (biomass) The following technologies also sometimes qualified for funding once certified installers and products become available: Renewable CHP MicroCHP (Combined heat and power) Fuel cells To be eligible to receive a low carbon buildings programme grant you must use a certified installer and a certified product.

    Funding Levels: £2,500 per property towards the cost of microgeneration technologies
    [Find out more]
  • Low-cost Initiative for First Time Buyers (LIFT)

    Shared Ownership is part of the Scottish Government's Low Cost Initiative for First Time Buyers (LIFT).

    Funding Levels: Funding levels vary.
    [Find out more]
  • Mortgage to Rent

    Mortgage to Rent is part of the Home Owners Support Fund.

    [Find out more]
  • Mortgage to Share Equity

    Mortgage to Shared Equity (MSE) is part of the Home Owners' Support Fund.

    Funding Levels: You will still own your home and continue to have responsibility for maintaining and insuring it, but you will be able to reduce the amount you have to pay to your lender every month.
    [Find out more]
  • National Housing Trust Initiative

    The Scottish Futures Trust (SFT) are working closely with a number of local authorities to deliver the National Housing Trust initiative (NHT).

    Funding Levels: NHT is designed to increase the supply of affordable homes in areas where they are most needed. Under NHT, developers are appointed to build a specified number of affordable homes on land they already own. Once complete, a local partnership company comprising the developer, the participating local authority and SFT buys the homes and lets them to tenants at affordable, mid-market rent for a period of between 5 and 10 years, after which units are sold. SFT does not itself have capital or revenue funding to support infrastructure investment, and will work with budget holders to identify affordable solutions using public and private finance as appropriate. SFT will both advise on funding and financing approaches that public bodies have developed or have had brought to them, and will act to internally develop and promote approaches where it is believed that the initiative can improve value for money.
    [Find out more]
  • National Retrofit Programme

    The National Retrofit Programme is designed to reduce emissions and energy use in Scotland.

    Funding Levels: Social landlords have the opportunity to access European Funds to support work on energy efficiency including the currently available £15 million SPRUCE fund for energy efficiency which is available in 13 local council areas. Restructuring of European funds in 2014 could provide further opportunities for landlords to improve the energy efficiency of properties using specific grant or loan funds.
    [Find out more]
  • Open Market Shared Equity Scheme (Open Market Pilot)

    The Open Market Shared Equity scheme allows people on low to moderate incomes to buy homes that are for sale on the open market.

    Funding Levels: The minimum equity stake that buyers must take in a property is 70 per cent (with exceptions still allowed as before for disabled buyers and owners in regeneration areas). In addition, the maximum equity stake is 90 per cent. Although no deposit is required by the Scottish Ministers, buyers will be required to provide a modest deposit by their lender.
    [Find out more]
  • Renewable Heat Incentive (RHI)

    RHI is designed to provide financial support to encourage individuals, communities and businesses to switch from using fossil fuel for heating, to renewables.

    Funding Levels: Renewable Heat Premium Payment scheme (RHPP).
    [Find out more]
  • Renewable Heat Premium Payment (Phase 2)

    The Renewable Heat Premium Payment is a one-off grant designed to help towards meeting the costs of installing renewable technologies until the Renewable Heat Incentive (RHI) is introduced for domestic customers.

    Funding Levels: The amount received as part of the Renewable Heat Premium Payment scheme depends on which technology you are applying for: Technology Voucher value Solar thermal hot water £300 Air-to-water heat pump £850 Ground-source or water-source heat pump £1250 Biomass boiler £950
    [Find out more]
  • Rural Home Ownership Grant

    Rural Home Ownership Grants aim to sustain rural communities by making it easier for local people on low or modest incomes to own their own home and to meet their housing needs or aspirations within their own community.

    [Find out more]
  • Scotland Rural Development Programme 2007-2013

    The Scotland Rural Development Programme is outcome focused and funds measures to address economic and social goals as well as environmental measures.

    Funding Levels: £1.6 billion programme of economic, environmental and social measures designed to develop rural Scotland over the next six years.
    [Find out more]
  • Scottish Boiler Scrappage Scheme

    The Scottish Government has announced funding for the boiler scrappage scheme for owner occupiers in Scotland.

    Funding Levels: If you want to replace your inefficient boiler, you can apply for a £400 voucher towards the cost.
    [Find out more]
  • Scottish Futures Trust (SFT)

    SFT is managing the National Housing Trust (NHT) initiative, which has been designed for local authorities in Scotland to be part of the 'toolbox' to help create more new affordable homes for rent, on a mid-market or intermediate basis, in areas where there is a demand for affordable housing.

    Funding Levels: Building upon the success of Phase 1 NHT, a second phase of procurement was launched in November 2011 and 10 Scottish Council areas are currently in the final stages of the tender process.  Over the coming year, the number of homes to be built under NHT is set to rise to over 1000.   SFT itself does not have capital or revenue funding to support infrastructure investment, and will work with budge holders to identify affordable solutions using public and private finance as appropriate.  SFT will both advise on funding and financing approaches that public bodies have developed or have had brought to them, and will act to internally develop and promote approaches where it is believed that the initiative can improve value for money.
    [Find out more]
  • Scottish Gas Networks

    Assisted Connections - Scotland

    Funding Levels: For those within mains gas areas we expect the majority of connections to be free of charge. In other cases qualifying connections may also be free or at least significantly reduced when customers submit our special “Assisted Connections Voucher” along with a connection request.
    [Find out more]
  • Scottish Power Energy People Trust

    The Scottish Power Energy People Trust funds registered charities that help people whose lives are affected by fuel poverty.

    Funding Levels: The Scottish Power Energy People Trust will award funding at levels appropriate to the type of project and the number of people to be helped, from small sums up to a maximum of £50,000. Projects may be funded for a maximum of three years, but the maximum amount of £50,000 applies, regardless of the timescale of the project.
    [Find out more]
  • Sust Grant Aid

    This grant has now closed the following is for information only.
    Funding support for: design innovation design analysis feasibility studies/ assistance with development of funding applications (e.

    Funding Levels: Funding up to £7,000 for capital woks Funding up to £15,000 for study/research
    [Find out more]
  • The Green Deal

    The Green Deal is the Government’s programme which aims to promote energy efficiency, whether people own or rent their property.

    Funding Levels: The Green Deal is expected to provide finance for up to £6,500 worth of works to homes or businesses. This will be tied to the property and paid off through lower energy bills. Householders will make repayments spread over a long enough period so that repayments are lower than their predicted energy bill savings, meaning financial and carbon savings are made from day one.
    [Find out more]
  • Town Centre Regeneration Fund

    This grant has now closed the following is for information only.
    The new Town Centre Regeneration Fund is a sign of our commitment to the improvement of Scotland's town centres and local high streets.

    Funding Levels: £60 million in 2009-10
    [Find out more]
  • UnLtd Millennium Awards

    Practical and financial support to social entrepreneurs in the UK; people with vision, passion, drive and commitment, who want to change the world for the better.

    Funding Levels: Level 1: Awards of between £500 and £5,000 (expected average of £2,000) Level 2: Awards of up to £15,000 UnLtd Millennium Awards are funded by the income from a legacy of £100 million granted by the Millennium Commission. This legacy is carefully invested so that the income can be obtained for awards for the future - this is what is called a permanent endowment. The Millennium Commission is the only distributor of lottery funds to good causes who some time ago decided to provide awards to individuals. Around 25,000 of these have been made so far and they have been so successful that they decided to provide the legacy to UnLtd to carry on this work for the future.
    [Find out more]
  • Universal Home Insulation Scheme (UHIS)

    The Universal Home Insulation Scheme (UHIS) provides energy efficiency measures to a large number of Scottish households while delivering emission savings and helping to reduce fuel poverty.

    Funding Levels: UHIS will allow free energy efficiency measures to be offered to around 200,000 households. In addition to loft and cavity wall insulation, some of the schemes provide support for harder to treat properties.
    [Find out more]
  • Warm Home Discount Scheme

    The Warm Home Discount (WHD) scheme came into operation on 1 April 2011.

    Funding Levels: Automatic annual rebate of at least £120, rising to £140 by the end of the scheme.
    [Find out more]
  • Winter Fuel Payments

    A Winter Fuel Payment is a tax-free payment for older people.

    Funding Levels: The rate of the Winter Fuel Payment is usually announced in the summer before the qualifying week in September. For the winter of 2010/11 the Winter Fuel Payment is £250 per household (£400 where you or your partner are aged 80 or over). If you live in a care home, you get a reduced rate of Winter Fuel Payment. In 2010/11, this is £125 or £200 if you are 80 or over. However, if you live in a care home and get Pension Credit, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance (ESA), you will not get a Winter Fuel Payment at all. If you are not sure which rate of Winter Fuel Payment you are entitled to, you should consult an experienced adviser, for example, at a Citizens Advice Scotland Bureau. To search for details of your nearest branch, including those that can give advice by email, click on your nearest Citizens Advice Scotland.
    [Find out more]
  • u-Switch

    £400 scrappage discount off any boiler - arrange an appointment to trade in your old boiler before 31st October 2012 and you will get a £400 scrappage discount from British Gas.

    Funding Levels: If you live in Scotland you could also be eligible for a voucher entitling you to a £400 subsidy from the Scottish Government, as part of the Energy Saving Scotland Boiler Scrappage Scheme. To find out if you‘re eligible and to apply please visit www.energysavingstrust.org.uk
    [Find out more]

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