Thinking about solar, a battery or a heat pump?
Request a call and we’ll talk you through applying with an MCS-certified installer.
Loans are provided by participating lenders and are subject to their affordability, credit and eligibility checks.
- £0
Upfront cost
The loans let you install clean energy technology without paying upfront, spreading payments over many years.
- Up to 5%
Lower interest
Interest rates up to 5% lower than regular loans from banks or high street lenders. Some lenders offer interest-free loans.
- Up to 30 years
To repay
Repayment terms vary by lender, with up to thirty years to repay in some cases.
What is the Warm Homes Loan Scheme?
The Warm Homes Loan Scheme was announced by the Department for Energy Security and Net Zero on 27 October 2026. It offers government-backed no- and low-interest loans for clean energy upgrades such as solar panels, batteries and heat pumps. The Chancellor confirmed its launch in Budget 2026 on 28 October 2026.
Instead of paying for an installation in one go, you borrow the cost and repay it over time. The government has worked with lenders to cut interest rates by up to 5% compared with regular loans, and ten lenders are offering loans at launch — some of them interest free. More lenders and products are expected to join as the scheme develops.
Who can apply?
The loans are available to households across the whole UK — in England, Scotland, Wales and Northern Ireland. As with any loan, the lender will carry out its normal affordability, credit and eligibility checks. Read more about eligibility.
What can a Warm Homes Loan pay for?
Each technology has its own maximum loan:
| Technology | Maximum loan |
|---|---|
| Solar panels | £15,000 |
| Electrical storage battery | £15,000 |
| Air-to-water (air source) heat pump | £20,000 |
| Air-to-air heat pump (once MCS certification is available) | £10,000 |
| Ground source heat pump | £35,000 |
| Biomass boiler | £20,000 |
| Heat network connection | £7,500 |
| Micro-renewable system | £20,000 |
See a worked example of the interest savings.
How much could it save?
According to the government, installing a heat pump, battery and solar panels together could help a family save up to £550 a year on energy bills, rising by a further £300 a year with a time-of-use tariff. Savings depend on your home and how you use energy, so “up to” means some households will save less.
Who installs the upgrades?
Every installation under the scheme, except heat network connections, is carried out by an MCS-certified installer. MCS certification means recognised technical and consumer-protection standards are met.
Ready to look at your options?
We’ll call you to talk through the upgrade you’re considering and applying with an MCS-certified installer.
Loans are provided by participating lenders and are subject to their affordability, credit and eligibility checks.
Can I combine it with a grant?
Yes, for heat pumps. Homeowners can combine a loan with a grant of up to £9,000 through the Boiler Upgrade Scheme (or Home Energy Scotland in Scotland), which lowers the amount you need to borrow. How the loan and grant fit together.
How to apply
You apply through a participating lender or installer. Choose the upgrade, get a quote from a certified installer, compare the loan carefully, then submit your application. See every step, or request a call and we’ll help you get started.
Warm Homes Loan guides
Who can get a Warm Homes Loan?
Warm Homes Loans are open to households across England, Scotland, Wales and Northern Ireland. See what lenders check and which upgrades qualify.
How much can I borrow?
Maximum Warm Homes Loan amounts for solar panels, batteries, heat pumps, biomass boilers and heat network connections — plus how the lower interest rates work.
How do I apply, step by step?
From choosing an upgrade to keeping your MCS certificate — the steps to apply for a Warm Homes Loan and what to compare before you sign.
Can I combine a loan with a heat pump grant?
Homeowners can combine a Warm Homes Loan with a Boiler Upgrade Scheme grant of up to £9,000 towards a heat pump. See the grant amounts and how they fit together.
Your questions answered
Straight answers about the Warm Homes Loan Scheme — interest rates, loan limits, repayment terms, installers, grants and who can apply.