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SEAI fully funded upgrades guide

Warmer Homes Scheme: free energy upgrades (2026)

If you own your home and get certain welfare payments, SEAI may upgrade it for free. Here is who qualifies, what is done, how long it takes and a faster option for insulation.

Quick answer: The Warmer Homes Scheme gives free home energy upgrades, most often attic and wall insulation, to people who own and live in a home built and occupied before 2006 and who get a qualifying payment such as Fuel Allowance. An SEAI surveyor decides which upgrades suit the home. Demand is high: SEAI says a contractor currently makes contact about 15 months after you apply.

Updated 25 September 2026 · Checked against SEAI.ie

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At a glance

Cost to youFree for eligible homeowners
You mustOwn and live in the home as your main residence
Home must beBuilt and occupied before 2006, and suitable for upgrades after a survey
Payments that qualifyFuel Allowance, Working Family Payment, One-Parent Family Payment, Domiciliary Care Allowance, Carer’s Allowance (living with the person you care for), and Jobseeker’s Allowance or Disability Allowance for over six months with a child under seven
Common upgradesAttic insulation, cavity, internal or external wall insulation, draught proofing, lagging jackets, energy-efficient lighting
Waiting timeAbout 15 months to contractor contact (SEAI, September 2026)
Faster optionHigher individual grants for attic (up to €2,500) and wall insulation (up to €2,300) without losing your place

Who qualifies for the Warmer Homes Scheme?

You need to meet all four of these:

  • You own and live in the home. It must be your main residence, where you live most days of the week. You will be asked for proof of ownership, such as a mortgage statement, home insurance policy, title deeds or a solicitor’s letter.
  • The home was built and occupied before 2006. That means the ESB meter was connected and the home lived in before 2006.
  • You get a qualifying welfare payment (see below). SEAI checks this directly with the Department of Social Protection using your PPSN.
  • The home is suitable for upgrades after a survey. Some homes may not qualify for any works.

The qualifying payments are Fuel Allowance (National Fuel Scheme), Working Family Payment, One-Parent Family Payment, Domiciliary Care Allowance, Carer’s Allowance if you live with the person you care for, and Jobseeker’s Allowance or Disability Allowance for over six months if you have a child under seven. The Household Benefits Package on its own does not qualify. If you only recently started getting a payment, wait 5 to 6 weeks after the first payment before applying.

What upgrades do you get?

An SEAI surveyor assesses your home and recommends what suits it, based on its age, size, heating and condition. You can’t pick the upgrades yourself, and not every home gets every measure. The most common are:

  • Attic insulation
  • Cavity, internal or external wall insulation
  • Smaller measures such as lagging jackets, draught proofing and energy-efficient lighting
  • Occasionally, a renewable heating system or new windows

The scheme does not install oil or gas boilers. If you have had upgrades under the scheme on or after 1 July 2018, you are usually not eligible again.

Not sure if your payment qualifies? Ask us.

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How long does it take, and is there a faster way?

The wait

Because of high demand, SEAI says applicants can currently expect a contractor to make contact about 15 months after applying. Applications are handled in order, and you can’t move up the queue.

A faster option for insulation

Since 2026, homeowners on qualifying welfare payments can get higher attic (up to €2,500) and cavity wall (up to €2,300) grants now, with a registered contractor you choose, without losing their place on the Warmer Homes list. You pay the contractor and SEAI refunds the grant, which often covers most of the cost.

How to apply for the Warmer Homes Scheme

  1. Check you meet all four rules

    Own and live in the home, built before 2006, a qualifying payment, and a home that may suit upgrades.

  2. Apply online to SEAI

    Have your MPRN, your PPSN and date of birth, and one proof of ownership issued in the last 12 months. Jobseeker’s or Disability Allowance applicants also need their child’s birth certificate. Apartments need the management company’s consent.

  3. BER assessment

    If you don’t have a valid BER, SEAI arranges one for free before any work.

  4. Home survey

    An SEAI surveyor visits and recommends suitable upgrades.

  5. Works by an SEAI contractor

    SEAI appoints the contractor, who does the approved works at no cost to you.

  6. Final BER and inspection

    A final BER checks the improvement, and some homes are inspected.

Free help on WhatsApp

Ask us about your home.

Tell us about your home and what you want to improve. We explain what may apply, help with the paperwork and, if you want, arrange a callback from a registered contractor where we have a partner in your area.

Frequently asked questions

Is the Warmer Homes Scheme really free?

Yes. For eligible homeowners, the upgrades recommended by the SEAI surveyor are fully funded.

Does the Household Benefits Package qualify?

No. Only the listed payments qualify, such as Fuel Allowance, Working Family Payment and One-Parent Family Payment.

My home was built in 2006. Can I apply?

No. The home must have been built and occupied before 2006.

How long is the waiting list?

SEAI says applicants can currently expect a contractor to make contact about 15 months after applying. You can’t move up the queue.

Can I get insulation sooner?

Yes. Homeowners on qualifying welfare payments can apply for higher attic (up to €2,500) and cavity wall (up to €2,300) grants now, with their own registered contractor, and keep their place on the Warmer Homes list.

I rent my home. Can I apply?

No. You must own and live in the home. Your landlord may be able to use SEAI’s grants for landlords.

Can HomeGrants help with Warmer Homes?

Yes. Ask us on WhatsApp whether you are likely to qualify, and about the faster higher insulation grants. We can help you understand the application.

Sources and review

We checked this guide against the official pages below on 25 September 2026. Grant rules change, so the official source always has the final word.

Updated 25 September 2026Written by HomeGrants.ieEditorial policyHow we check grants

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