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Warm Homes Loan Scheme

Low and no interest government backed loans for solar panels, battery storage and heat pumps. Nothing to pay upfront. Warm Homes Loan available on Grant Store installations.

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Warm Homes Loan available on Grant Store installations

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What is the Warm Homes Loan Scheme?

The Warm Homes Loan Scheme is a government backed loan scheme for clean energy home upgrades, announced on 27 October 2026 as part of the Warm Homes Plan. It is not a grant. Instead, the government pays participating lenders to lower their interest rates, so you can borrow for solar panels, a home battery or a heat pump for far less than a normal personal loan.

How much lower is the interest rate?

The government funding is designed to cut the interest rate by up to 5 percentage points compared with a typical bank or high street loan. Some lenders are going further and offering Warm Homes Loans at 0% interest. Terms of up to 30 years are available from some lenders, and the rate reduction applies to loans of 3 years or more.

Why it matters

For most families, the cost of solar panels or a heat pump is paid back through lower energy bills, but finding the money upfront is the hard part. The Warm Homes Loan removes that barrier. The government says a home with solar panels, a battery and a heat pump could save up to £550 a year on energy bills, and up to £300 a year more on a time of use tariff.

Find out more about solar panels, battery storage and air source heat pumps.

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Vaillant aroTHERM plus air source heat pump outdoor unit

How much can you borrow with a Warm Homes Loan?

Each technology has its own maximum loan under the Warm Homes Loan Scheme:

Home upgrade Maximum Warm Homes Loan
Solar panels £15,000
Battery storage £15,000
Air source heat pump (air to water) £20,000
Ground source heat pump £35,000
Air to air heat pump £10,000 (once MCS certification is available)
Biomass boiler £20,000
Heat network connection £7,500
Other micro renewable systems £20,000

Warm Homes Loan for solar panels

You can borrow up to £15,000 for solar panel installation, which covers a typical home system with room to spare. Use our solar energy calculator to see what solar could generate on your roof.

Warm Homes Loan for battery storage

A further £15,000 is available for a home battery, so you can store cheap or free solar power and use it in the evening. Batteries can also be added to an existing solar system.

Warm Homes Loan for heat pumps

You can borrow up to £20,000 for an air source heat pump, and the loan can be combined with the Boiler Upgrade Scheme grant to bring the cost down even further.

EV chargers are not currently included in the scheme.

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Warm Homes Loan eligibility: who can apply?

The Warm Homes Loan Scheme is open to:

  • Homeowners who live in their own home
  • Private landlords upgrading a property they rent out

Loans are available across England, Scotland, Wales and Northern Ireland.

Is there an income limit?

No. Unlike most energy grants, there is no income threshold and no minimum EPC rating. The scheme is aimed at households who can afford monthly repayments but not the upfront cost. Each lender runs its usual credit and affordability checks and may add its own criteria.

Can landlords get a Warm Homes Loan?

Yes. Private rented sector landlords are one of the two groups the scheme is built for, and if you own more than one property you can apply for a loan for each one. See our landlord solar and heating page.

Who is not eligible?

The scheme does not cover social housing or businesses. Short term lets, annexes and homes where you run a small business are still eligible, as long as the upgrade mainly serves the home.

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Can you combine the Warm Homes Loan with the Boiler Upgrade Scheme?

Yes. If you are installing a heat pump in England or Wales, you can claim the Boiler Upgrade Scheme grant and use a Warm Homes Loan to cover the rest. The grant comes off your invoice first: £7,500 for most homes, or up to £9,000 for homes on oil or LPG with no mains gas until March 2027. The loan then covers the balance, so you could have a heat pump fitted with nothing to pay on the day.

In Scotland, the Warm Homes Loan can be used alongside Home Energy Scotland funding.

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Funding options

Buy outright

Pay for your home upgrade in one go and start enjoying the savings straight away.

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Finance

Spread the cost of your home upgrade with our flexible finance options.

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Boiler Upgrade Scheme (BUS)

Get help with the cost of a heat pump or biomass boiler installation - check if you qualify.

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Warm Homes Loan lenders

Ten lenders are offering Warm Homes Loans at launch, some interest free: Homeserve (with E.ON), Hometree Finance, Propensio, Secure Trust Bank, Selina Finance, South Manchester Credit Union, Sunsave, Tandem Bank, The Money Co-op and thisbank. More lenders are expected to join from early 2027.

Why choose Grant Store for your Warm Homes Loan installation?

Every Warm Homes Loan must be used with an MCS certified installer, and the lender checks your installer’s certification before releasing the money. Grant Store is MCS certified for solar PV, battery storage and heat pumps, and we are Heat Geek verified heat pump installers. We have installed renewable energy for homeowners, landlords and councils across the UK, from single homes to large Solar Together schemes.

  • One team from survey to sign off
  • A proper design for your home, not a one size fits all package
  • A clear written quote with everything your lender needs
  • MCS certificate issued on completion

Meet the team · See our projects · Areas we cover

Explore: Solar panels · Battery storage · Inverters · Heat pumps · Air source heat pumps · Boiler Upgrade Scheme · Solar calculator · FAQs · Contact us

Get a quote: Solar panels · Battery · Heat pump

Sources: GOV.UK Warm Homes Loan Scheme factsheet · Warm Homes Loan Scheme rules · MCS installer finder

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How to apply for a Warm Homes Loan

Getting a Warm Homes Loan for your solar panels, battery or heat pump takes three simple steps. Keep your quote, finance agreement, invoice and MCS certificate safe afterwards.

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Get a free quote

We survey your home and design the right system, with a written quote that shows our MCS certification number. Lenders need this to approve your loan.

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Choose a lender and apply

Compare Warm Homes Loan lenders on the total amount repayable, the term and any fees. Pick one that lets you choose your installer, and apply with your quote. The lender runs standard credit and affordability checks.

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We install

Once your loan is approved, we install your system and register it with MCS, so you get your MCS certificate for your records and your lender.

Don’t just take our word for it, check out our reviews

Our customers love the savings and comfort their solar panels, batteries and heat pumps deliver. But don’t just take it from us, check out our reviews and see what others say.

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Warm Homes Loan Scheme FAQs

The questions we hear most about the Warm Homes Loan Scheme. Check out the answers below, or give us a call if you need more information.

What is the Warm Homes Loan Scheme?

A government backed scheme, launched in October 2026, that makes loans for solar panels, batteries and heat pumps cheaper. The government pays lenders to cut interest rates by up to 5 percentage points, and some lenders offer 0% interest.

Is the Warm Homes Loan a grant?

No, it is a loan you repay. But the interest is reduced by government funding, and for heat pumps you can still claim the Boiler Upgrade Scheme grant on top.

Who is eligible for a Warm Homes Loan?

Homeowners and private landlords in England, Scotland, Wales and Northern Ireland. There is no income limit. Lenders run normal credit and affordability checks.

How much can I borrow with a Warm Homes Loan?

Up to £15,000 for solar panels, £15,000 for battery storage, £20,000 for an air source heat pump and £35,000 for a ground source heat pump.

What is the Warm Homes Loan interest rate?

It depends on the lender. The scheme is designed to make rates up to 5 percentage points lower than a comparable standard loan, and some lenders offer loans at 0%.

How long can I take to repay a Warm Homes Loan?

It depends on the lender and product. Some lenders offer terms of up to 30 years. The interest reduction applies to loans of 3 years or more.

Can I use a Warm Homes Loan with the Boiler Upgrade Scheme?

Yes. In England and Wales the Boiler Upgrade Scheme grant reduces the price of a heat pump first, and the Warm Homes Loan can cover the rest.

Which lenders offer the Warm Homes Loan?

Homeserve (with E.ON), Hometree Finance, Propensio, Secure Trust Bank, Selina Finance, South Manchester Credit Union, Sunsave, Tandem Bank, The Money Co-op and thisbank. More are expected to join.

Do I need an MCS certified installer?

Yes. Every Warm Homes Loan installation, except heat network connections, must be fitted by an MCS certified installer. Grant Store is MCS certified.

Can I get a Warm Homes Loan with Grant Store?

Yes. The Warm Homes Loan is available on Grant Store installations. Get a free quote from us, then apply to a participating lender that lets you choose your installer.

Get your free Warm Homes Loan quote

Thinking about solar panels, a battery or a heat pump? Get a free quote from Grant Store and use it to apply for your Warm Homes Loan with a participating lender.

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Ready to cut your energy bills with nothing to pay upfront? Tell us about your home and we will send you a free quote you can use for your Warm Homes Loan application.

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