The Warm Homes Loan Scheme is open to households across the entire UK — in England, Scotland, Wales and Northern Ireland.
What the lender checks
A Warm Homes Loan is still a loan. When you apply, the lender carries out its normal affordability, credit and eligibility checks before agreeing to lend. Each lender sets its own criteria, so the details — including the interest rate and how long you can take to repay — can differ from one lender to the next.
Which upgrades qualify?
The scheme covers these clean energy technologies:
- solar panels
- electrical storage batteries
- air-to-water (air source) heat pumps
- air-to-air heat pumps, once MCS certification is available
- ground source heat pumps
- biomass boilers
- heat network connections
- micro-renewable systems
See the maximum loan for each one.
Your installer must be MCS certified
All installations, except heat network connections, are carried out by MCS-certified installers. Some lenders only work with particular installers, while others let you choose any MCS-certified installer.
Homeowners and heat pump grants
Homeowners installing a heat pump can also combine the loan with a grant of up to £9,000. How the grant works with the loan.
Not sure if it’s right for your home?
Request a call and we’ll talk through your home, 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.