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Yes—eligible UK homeowners can borrow for solar panels, batteries and heat pumps at a reduced rate through the Warm Homes Loan Scheme. Energy Saving Trust says the scheme can cut an eligible loan’s interest rate by up to five percentage points, and some participating lenders currently advertise 0% periods. It is still a repayable loan, not a grant: the lender checks your credit and affordability, sets the final rate and may restrict which installer or work qualifies.
What is the Warm Homes Loan Scheme?
The Warm Homes Loan Scheme is a UK-wide arrangement in which participating lenders offer finance for specified energy improvements, with the scheme reducing the interest rate on eligible borrowing. The government’s overview describes it as help with improvements such as heat pumps and solar panels; the lender, rather than the government, provides and administers the loan.
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Which solar and heating improvements can the loan cover?
Energy Saving Trust lists the following eligible technologies and published maximum loan amounts. These are scheme maxima, not a promise that every lender will lend the full amount.
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| Improvement | Published maximum | Important condition |
|---|---|---|
| Solar panels | £15,000 | Installer and lender eligibility still apply |
| Battery storage | £15,000 | Check whether the lender finances a battery alone or with solar |
| Air-source heat pump | £10,000 | Confirm the specific heat-pump type accepted by the lender |
| Air-to-air heat pump | £10,000 | Subject to MCS installer certification becoming available |
| Ground-source heat pump | £35,000 | Higher maximum reflects potentially larger installation costs |
| Biomass boiler | £20,000 | Technology and installer rules apply |
| Heat-network connection | £7,500 | Exception to the general MCS-installer requirement |
| Wind turbine | £20,000 | Confirm planning, property and lender requirements |
| Hydroelectric system | £20,000 | Confirm site and lender eligibility |
Prices checked November 2026.
For most measures, the general requirement is an installer certified by the Microgeneration Certification Scheme (MCS). Heat-network connections are the stated exception. Before choosing finance, ask the installer and lender to confirm that the proposed technology, installer and paperwork are accepted.
Are any current offers actually 0%?
Some reported products have 0% representative APR for limited terms, but they are lender-specific offers rather than a universal Warm Homes Loan rate. The following examples were reported by MoneySavingExpert and should be rechecked directly before an application; rates and eligibility were checked for this article in November 2026.
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|---|---|---|
| Sunsave | Solar and battery | 0% representative APR for three years; 3.2% for 10 years; 8.9% for 20 years |
| E.ON/HomeServe Finance | Solar and battery | 0% for one to five years; 4.6% for six to 10 years |
| E.ON/HomeServe Finance | Air-to-water heat pump | 0% for three or six years; 4.6% for seven to 10 years |
| The Money Co-op | Range of eligible measures | 2.7% APR for three to seven years |
These figures are examples, not endorsements or guaranteed scheme terms. Compare the representative APR, total repayable, monthly payment, term, arrangement fees, credit-check process, maximum borrowing and any installer restriction. A longer term can reduce the monthly payment while increasing the total cost, so the lowest monthly figure is not automatically the cheapest option.
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How do I apply for a Warm Homes loan?
There is no single government application form. The practical route is to establish the work and its cost, check grants, then apply through a participating lender that accepts the project.
- Define the improvement. Decide whether you need solar, a battery, an air-to-water or ground-source heat pump, or another listed measure. Ask what electrical, plumbing, insulation or structural work is included in the quote.
- Get comparable installer quotes. Energy Saving Trust recommends comparing at least three MCS-certified installer quotes (except for heat-network connections). Ensure each quote describes the same equipment, warranties, commissioning and remedial work.
- Check grants before borrowing. Ask whether the project qualifies for the Boiler Upgrade Scheme or a regional programme, and make sure the proposed funding does not pay twice for the same improvement.
- Confirm lender acceptance. Before signing, ask the lender whether it accepts your installer, technology, quote format and any grant contribution. Some offers are available only through a particular installer route.
- Complete the lender’s checks. The lender will perform its own credit and affordability assessment and may offer a different rate, amount or term from the headline example.
- Keep the evidence. Retain the quote, finance agreement, invoices, MCS details, commissioning documents and proof of purchase. They may be needed to satisfy the lender or a grant administrator.
Can a heat-pump grant be used with the loan?
Usually, loan and grant funding can be combined when they pay for different parts of the project. Government guidance prohibits using public funding twice for the same improvement, so have the installer show clearly which item or cost the grant covers and which balance the loan finances.
In England and Wales, Ofgem’s current Boiler Upgrade Scheme guidance lists a £7,500 grant for air-to-water or ground-source heat pumps, £2,500 for air-to-air heat pumps and £5,000 for qualifying biomass boilers. A temporary £9,000 amount applies to qualifying off-gas-grid properties replacing oil or LPG with an air-to-water or ground-source heat pump for applications made from 21 July 2026 through 31 March 2027. The installer normally applies for the grant, which appears as a discount on the quote or invoice; confirm eligibility and dates with the installer using the Ofgem property-owner guidance.
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What other regional help is available?
Support differs across the UK, so your address and household circumstances matter.
- Scotland: Home Energy Scotland support listed by Energy Saving Trust can include up to £7,500 grant and up to £7,500 interest-free loan for eligible improvements. Check the current measure and combination rules before committing.
- Wales: Green Homes Wales offers eligible homeowners interest-free loans from £1,000 to £25,000, subject to affordability and credit checks; grant support may also be available.
- Lower-income households: Warm Homes: Local Grant and other programmes may fund free upgrades for qualifying households. ECO4 is targeted support and is reported as due to close on 31 December 2026, so verify current local availability and deadlines.
Energy Saving Trust’s financial-support guide and the government’s Clean Energy Campaign signposting are useful starting points, but scheme rules and budgets can change.
Does solar-loan eligibility include selling excess electricity?
Loan eligibility and export payments are separate. If your system qualifies for the Smart Export Guarantee, you can sign up with an export-tariff supplier to sell surplus renewable electricity. Energy Saving Trust says an MCS-certified technology and a smart meter are required; check the tariff and meter requirements independently of the finance application.
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What should I compare before signing?
Use a like-for-like checklist rather than choosing on the advertised monthly payment:
- Representative APR and the rate after any 0% introductory period
- Total repayable, deposit and arrangement or broker fees
- Term length, early-repayment conditions and consequences of missed payments
- Monthly payment affordability under the lender’s assessment
- Maximum amount for your exact technology and whether battery costs are treated separately
- Approved-installer, MCS and documentation requirements
- Whether a grant can be used and which costs it is allowed to cover
- Equipment warranty, workmanship warranty and who remains responsible if an installer fails
Do not assume that a government-backed rate means the work itself is approved or that projected energy-bill reductions will cover repayments. The sources reviewed do not provide a guaranteed annual saving for borrowers; your result depends on the property, system design, energy use, tariff and maintenance.
How we assessed the information
This article uses the current scheme descriptions from GOV.UK and Energy Saving Trust, Ofgem’s November 2026 Boiler Upgrade Scheme guidance, MoneySavingExpert’s reported lender examples, and Energy Saving Trust and government signposting for regional support. Lender prices, grant windows and installer conditions are volatile and should be verified immediately before applying.
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Frequently Asked Questions
Can tenants apply for a Warm Homes loan?
The scheme is aimed at homeowners and the property owner normally needs to agree to the work and finance. A tenant should obtain the landlord’s written consent and ask the lender whether its product accepts that arrangement; do not assume a standard consumer loan is eligible.
Will a poor credit history rule me out?
There is no single scheme-wide credit score because each participating lender sets its own underwriting policy. Expect an affordability and credit assessment, and compare the total cost only after receiving a formal decision rather than relying on a headline rate.
Can I repay the loan early if I sell my house?
The answer depends on the individual credit agreement. Check for early-repayment charges, settlement procedures and whether the balance must be cleared on completion before signing.
Is a battery eligible without installing solar panels?
Battery storage is listed as a separate eligible improvement with a published maximum of £15,000, but a lender may impose its own technology or installer conditions. Obtain written confirmation that a standalone battery and your proposed installer qualify.
