Guarantee Credit is a core ECO4 benefit; Savings Credit alone also appears on Ofgem’s current core list. Either way, your home must sit in EPC band D–G, and measures could be fully funded for some eligible households — eligibility does not guarantee installation or zero customer contribution.
A live Guarantee Credit award is qualifying evidence in itself. Packages typically centre on loft and cavity insulation plus heating measures, chosen by the whole-house assessment.
Savings Credit sits on the current core list too; where evidence is unclear, the council Flex route (income commonly under £31,000, or cold-sensitive health conditions) is the practical backstop for pensioner households.
Pension Credit Guarantee also anchors the Warm Home Discount core group — qualifying date 23 August 2026 — and it stacks with ECO4 measures.
Facts checked 21 August 2026. We link to official sources and show when facts were last verified. If a scheme changes, we update the page.
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