Looking at a heat pump, solar panels or a battery for your home? Find out in about two minutes what a government-supported Warm Homes loan can pay for, which grants could cover part of the cost, and what to do next.
We’re not a lender, so we can’t approve a loan. But we can tell you where you stand and who to talk to next.
What are you thinking of installing?
Your route for the 3 upgrades that can be funded
No Warm Homes lender had launched when we last checked, on , so there was no loan to apply for.
What happens at each stopA few quick questions about your home and what you’d like to install. No email needed to see your result.
We match your answers against the government’s Warm Homes Loan Scheme rules.
What a loan can cover, which grants could help, and what to do next.
It’s free, it isn’t a credit check, and we’re not a lender.
Most of the confusion comes down to these three. Here are the short answers, and the long ones are a click away.
Solar panels, home batteries, air-to-water heat pumps and ground or water source heat pumps, plus the work needed to fit them, up to the scheme’s limit for each: £15,000 for solar panels, £15,000 for a battery, £20,000 for an air-to-water heat pump and £35,000 for a ground or water source heat pump (for heat pumps, before any grant comes off). It won’t cover insulation, a chargepoint on its own, or air-to-air heat pumps (yet). See what’s in and out
Often, if you’re getting a heat pump. In England and Wales, the Boiler Upgrade Scheme (BUS) usually takes £7,500 off the cost (£9,000 until March 2027 for some homes off the gas grid), and the loan can cover the rest. In Scotland, if you own the home and live in it, it’s the Home Energy Scotland grant instead. See how grants fit in
Yes. You’ll need an installer certified by the Microgeneration Certification Scheme (MCS) for that technology. If you apply to a lender directly, it will want their quote with your application. See what the quote must show
Can be funded
The most the scheme supports for each upgrade. For heat pumps, that’s compared with the cost before any Boiler Upgrade Scheme grant comes off.
Not funded
A lender might still offer you an ordinary loan for these, on its usual terms.
Private Rented Sector (PRS) landlords can borrow too, as individuals rather than through a company. If you’re trying to work out what the Minimum Energy Efficiency Standards (MEES) and the £10,000 cost cap mean for your rental, that’s a different question, and we’ve built a separate tool for it: MEES Path.
