Struggling to afford heating oil?

Heating oil prices have skyrocketed in recent weeks - far faster than gas and electricity. That’s because international tensions, especially the ongoing conflict in the Middle East, have pushed up the cost of crude oil and kerosene used for home heating. And unlike gas and electric bills, heating oil isn’t protected by the Ofgem price cap, so there’s no safety net on how high costs can go. In some areas, prices have more than doubled compared with a few weeks ago. Around 1.7 million UK homes, mostly in rural areas, rely on heating oil, so this increase is concerning for lots of households.

Don’t wait until you run out

If your tank is low, act now. Oil suppliers often raise prices when demand jumps. Delivery slots can fill up fast, and in busy periods some orders get delayed or even cancelled. Even a partial top‑up means you have some heat while you sort support. It’s also worth asking your supplier about smaller deliveries or payment plans. Paying in smaller chunks can make topping up more affordable while you arrange help elsewhere.

New government support – what’s been announced

The government has this week unveiled a £53 million emergency support package for households struggling with heating oil costs. The package is aimed at low‑income and vulnerable households most exposed to rising prices. Money will be delivered through local councils and community funds, so the quickest way to find out exactly how to apply is by checking your council’s website or calling them. The government has also said it wants to improve fairness in the heating oil market and has asked regulators to look at consumer protections.

Other support that can help your budget

Even though heating oil itself isn’t capped, other government schemes can free up money so you can afford your fuel. You may qualify for the Warm Home Discount, Winter Fuel Payments, or Cold Weather Payments. And many councils are still running the Household Support Fund, which can be used to help with essentials such as heating. But you need to act fast. The fund only runs until 31 March 2026. After that, it will be replaced by a new Crisis and Resilience Fund, which will also help households facing sudden financial shocks. These payments won’t cover oil directly but can free up cash to top up your tank.

If you can’t afford a full tank

You don’t have to go without. Many suppliers now offer smaller or partial deliveries that cost less upfront. Some communities run oil buying groups, where neighbours join together to buy larger quantities at cheaper rates. Some suppliers may also offer short‑term payment plans to spread the cost. These options won’t erase the price hike, but they can keep your home heated while you get support in place. Speak to your supplier to ask how they can help.

Make your oil last longer

If topping up isn’t possible yet, there are ways to stretch what you’ve got. Turning your thermostat down a few degrees uses less fuel. Only heat the rooms you use, close curtains at night to trap warmth, and use draught excluders around doors and windows. Layering up with warm clothes and blankets can keep you comfortable without turning the heat up higher. These small steps can make a noticeable difference to how long your existing oil lasts.

How we can help

If you’re struggling to afford oil, the chances are you’re also worried about the cost of other household bills. We can help you work out a budget that makes sense, check you’re getting every benefit you’re entitled to, and guide you on cutting costs or managing debt.