Guide

Check your EPC before you apply for a grant

The first test for Warm Homes: Local Grant is about the home, not the household: its energy performance certificate must be rated D, E, F or G. It takes two minutes to check, and it saves registering for a scheme the home can't qualify for.

Where you stand

Search GOV.UK's find an energy certificate service by postcode. If the home is rated D to G, it passes the first test. A–C homes don't qualify. If there's no certificate, GOV.UK says you can find out about it during the application; ask the council how it treats homes without one.

Checked with the councils' and GOV.UK's own pages on 3 November 2026 · Published by SEO-DONS LTD, an independent guide: not a council, a grant scheme or an installer

Step one

Finding the certificate

Every energy performance certificate issued in England is held on a national register. GOV.UK's "find an energy certificate" service lets you search it by postcode or by certificate number. Choose the address, open the certificate, and look at the current rating at the top: a letter from A to G and a score.

The certificate also shows a potential rating, what the home could reach with the recommended improvements, and lists those improvements. That list is a useful preview of what a retrofit survey might suggest, including whether solar panels are among them.

The test

What D to G means for the grant

GOV.UK's description of Warm Homes: Local Grant says the home must have an EPC rated D, E, F or G. Liverpool City Council's page says the same for properties within the Liverpool boundary. The scheme is aimed at the least efficient homes, where improvements make the biggest difference to warmth and bills.

A home rated A, B or C is already at or above the level the scheme aims for. However low the household's income, the home won't pass this test, and no pathway changes that.

Reading your rating

What each band means here

From GOV.UK's scheme page and Liverpool City Council's page, read 3 November 2026.
RatingFor the grantWhat to do
A, B or CDoesn't pass the home testLook at paying yourself, if solar suits the home
DPassesCheck the household pathways
E, F or GPassesCheck the household pathways; these homes gain most
No certificateUnknownAsk the council how it handles homes without one
Old certificate, home since improvedMay no longer reflect the homeAsk the council whether it will reassess

No certificate

If your home doesn't have one

Not every home has a certificate. Certificates are produced when a home is sold or let, so a house that has been in the same family for decades may never have had one. GOV.UK says that if you don't know your home's EPC, you can find it out when you apply.

Before paying for a new certificate yourself, ask the council how it treats homes without one. Liverpool City Council's process includes a retrofit survey by its contractor that establishes the home's current energy rating, so the council may not need you to commission one first.

Old certificates

When the certificate is out of date

A certificate describes the home when it was assessed. If you've since added loft insulation, new windows or a new boiler, the rating may have improved, perhaps from D to C. The reverse can happen too, if a certificate was optimistic. The scheme's own survey is what counts in the end: the government's guidance to councils says pre-retrofit assessments now use the RdSAP10 method.

If your certificate is borderline, mention it when you register and let the council decide. Don't commission improvements in the hope of qualifying; they could take the home out of the scheme.

Renters

If you rent the home

A private tenant can look up the certificate in the same way; landlords must provide one when letting. Tell your landlord the rating when you raise the scheme with them. If the home is rated D to G and your household meets a pathway, both of you have something to gain. See renters and landlords.

If you're rated C or above

Solar without the grant

A good rating doesn't rule out solar; it rules out this grant. Paying yourself, solar installation in a home is zero-rated for VAT until 31 March 2027, and homeowners can apply for a Warm Homes loan. Panels may also improve the rating further. See paying yourself.

What the certificate says about solar

Reading the recommendations

The recommendations section lists improvements in a typical order, with an indication of their effect on the rating. If solar panels appear, the assessor thought the roof was suitable in principle. If insulation appears first, a retrofit survey is likely to prioritise it too, because the scheme aims to improve the whole home. Treat the list as a starting point, not a promise: the survey looks at the home in more detail.

Next

After the EPC check

If the home passes, the next step is the household: one of three pathways. The quickest to check is the postcode route, which doesn't look at income at all. See eligible postcodes, the income test and who qualifies, or try the route finder.

Quick answers

EPC questions

Where do I find my EPC?

On GOV.UK’s find an energy certificate service, by postcode or certificate number. It’s free to search.

My home has no EPC. Can I still apply?

GOV.UK says that if you don’t know your home’s EPC you can find it out when you apply. If no certificate exists, ask the council how it handles that before you register.

My EPC says C but the house is cold. Do I qualify?

On the EPC test, a home rated C doesn’t qualify. If the certificate is old and the home has changed, ask the council whether a new assessment would be accepted.

Will the council reassess the home?

Yes. Liverpool City Council’s contractor carries out a retrofit survey that establishes the current energy rating. The government’s guidance says assessments now use the RdSAP10 method.

Sources for this page

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