Warm Homes Loan Scheme

The Warm Homes Loan Scheme is a UK government scheme designed to help private sector lenders offer lower-interest finance for green home improvements such as solar panels, batteries and heat pumps.

At this stage, the scheme is not a direct loan application route for homeowners. The current application process is for lenders who want to participate in the scheme. If lenders are approved, they may later offer Warm Homes Loan products to homeowners and private rented sector landlords.

The scheme opened for lender applications on 24 June 2026 and the first application window closes on 17 July 2026. The overall scheme is currently listed as running until 31 March 2030. Official government grant listing.

⚠️ ECO4 has closed to new applications — here’s the help you can get nowECO4 grants are no longer available. See the grants and funding you can get now.

What Is The Warm Homes Loan Scheme?

The Warm Homes Loan Scheme, also known as WHLS, is intended to reduce the upfront cost barrier of installing low-carbon home upgrades.

Instead of paying grants directly to households, the government supports participating lenders. Those lenders can then offer eligible finance products at lower interest rates than they might otherwise provide.

This makes the Warm Homes Loan Scheme different from grant schemes such as the Boiler Upgrade Scheme or ECO4, where support is linked more directly to the installation or eligible household.

How Does The Warm Homes Loan Scheme Work?

The scheme works through lenders rather than direct homeowner applications.

The government invites lenders to apply to join the scheme.
Approved lenders enter into a Grant Funding Agreement with the Department for Energy Security and Net Zero.
Lenders submit eligible loan products for approval.
If approved, those lenders can offer lower-interest green home finance products.
Homeowners or private landlords may then be able to apply through participating lenders once products are launched.

For a deeper breakdown, read How The Warm Homes Loan Scheme Works.

Who Is Eligible For The Warm Homes Loan Scheme?

Current eligibility is aimed at lenders, not individual consumers.

Current lender eligibility

Lenders must meet regulatory, operational and conduct standards. This includes being authorised and regulated by the Financial Conduct Authority, or being in the process of obtaining the relevant authorisation.

Lenders must also show that they have the financial and operational capability to design, launch and administer consumer loan products.

Future consumer eligibility

Homeowners and private rented sector landlords may become eligible through participating lenders once consumer-facing loan products are available. The exact terms will depend on the lender, the approved product and the scheme rules in force at the time.

Read the full eligibility guide: Who Is Eligible For The Warm Homes Loan Scheme?

What Home Improvements Could Be Covered?

The government listing says the scheme is intended to support low-carbon home upgrades, including solar PV, batteries and heat pumps.

Home improvement
What it does

Solar PV panels
Generate electricity from sunlight

Battery storage
Stores electricity for later use

Air source heat pumps
Provide low-carbon heating using heat from outside air

Ground source heat pumps
Use heat from the ground for heating and hot water

Other eligible green upgrades
Will depend on approved lender products and scheme rules

Is The Warm Homes Loan Scheme Available Yet?

The scheme is available for lender participation, but it is not yet a direct consumer loan application scheme.

The first lender application window runs from 24 June 2026 to 17 July 2026. The first lender onboarding window is listed as 12 August 2026 to 24 August 2026.

Consumers should wait for participating lenders to announce approved Warm Homes Loan products before relying on specific interest rates, repayment terms or application requirements.