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Warm homes loan

    • A UK government scheme, run by the Department for Energy Security and Net Zero (DESNZ) as part of the Warm Homes Plan

    • Launched to households on 27 October 2026

    • The loans come from approved lenders such as banks and credit unions, not from the government

    • Government funding lets lenders cut interest rates by up to 5 percentage points compared with their normal loans

    • Some lenders offer interest-free loans, and some give you up to 30 years to repay

    • It's a loan, not a grant: you repay it, and the lender checks your credit and affordability

    • Homeowners anywhere in the UK, with or without a mortgage

    • The property must be a home, not a commercial building

    • Private landlords can also apply for homes they rent out

    • There's no income limit, but each lender has its own checks and may have extra rules

    • Solar panels: loans up to £15,000, including adding panels to a system you already have

    • Battery packs: loans up to £15,000, on their own or with solar

    • EV chargers: can be included when they're fitted as part of a solar or battery pack installation (not on their own)

    • Installation costs: scaffolding, safety equipment and grid connection work are included

    • We're MCS certified (NAP/23183) and RECC members. The scheme requires solar and battery packs to be fitted by an MCS certified installer, so we're eligible to install

    • We'll survey your home and give you a clear, itemised quote, which you'll need for your loan application

    • We design and fit solar, battery packs and EV chargers, so one installer can handle the whole job

    • We'll lodge your installation with MCS and give you your MCS certificate, which your lender will need

    • We're a family-run local business based in Buxted, covering East Sussex, Kent and the surrounding areas

    1. Get your quote: contact us for a free survey and a quote

    2. Choose a lender: we recommend The Money Co-op

    3. Apply: apply to the lender (not the government) and they'll run their usual checks

    4. We install: once your loan is approved, we fit your system and register it with MCS

    5. Keep your paperwork: keep your quote, loan agreement, invoice and MCS certificate safe

Warm homes FAQ

  • No, it's a loan you repay. The government's part is that it reduces the interest you pay.

  • It depends on the lender and your circumstances. The scheme cuts rates by up to 5 percentage points compared with the lender's normal loan, and some lenders offer 0%. Check the lender's rate, fees and total amount repayable before you sign.

  • Yes. Battery packs are covered on their own or alongside solar.

  • Yes, adding panels to an existing installation is covered.

  • Only when the charger goes in as part of a solar or battery pack installation.

  • It might. Installations can be checked as part of an audit.

  • You can use it with a Boiler Upgrade Scheme grant for a heat pump, but you can't use the loan and other government funding to pay for the same improvement.

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