About Warm Homes Loan Guide

An independent, plain-English guide to the Warm Homes Loan Scheme, run by Opus Leads.

Last updated 1 October 2026.

Why it exists

Heat pumps, solar panels and batteries often stall on the upfront cost. The government’s Warm Homes Loan Scheme helps lenders offer cheaper loans for them, but the rules about what’s covered, how grants fit and who has to do the work are spread across long documents. We turn them into a two-minute check and a clear next step.

How we stay accurate

Every answer comes from one versioned, dated rules file based on the official scheme rules and grant pages. When the rules don’t settle a question, we say Unclear and link to the source rather than guess. You can read the whole thing on what’s covered.

Who runs it

Opus Leads Ltd is a marketing agency that works with installers certified by the Microgeneration Certification Scheme (MCS). If you ask for an installer quote, we may pass it to an installer we work with. We’re not a lender. Read our Financial Conduct Authority (FCA) notice for what that means.

Related tools

  • For landlords planning around the Minimum Energy Efficiency Standards (MEES) and the £10,000 cost cap: MEES Path.
  • AirToAir Ready: tracks when air-to-air heat pumps can be certified and funded.
  • Plugin Solar Compare: what plug-in solar kits are legal and who sells them.

Credits

The background paper texture is “Exclusive Paper” by Atle Mo, from Subtle Patterns, licensed under CC BY-SA 3.0. We made it grey and lighter; our version is shared under the same licence.