Struggling with high energy bills or living in a home that’s hard to keep warm? You’re not alone, and thankfully, help is available.

The Energy Company Obligation (ECO) scheme is a UK government-backed initiative designed to improve the energy efficiency of homes across the country. If you’re on a low income, receiving certain benefits or suffer from a health condition worsened by the cold, you could be eligible for free insulation, a new boiler, or other energy-saving upgrades, all without paying a penny.

But how exactly do you apply for an ECO grant? What qualifies as “eligible”? And is the process as complicated as it sounds? Don’t worry, we’ve broken it down step by step to make it easy.