The Warm Homes Loan Scheme,
explained properly
A government-backed way to pay for solar panels, battery storage or a heat pump with nothing upfront, spread over a term you agree with a lender.
We are MCS certified, which the scheme requires. Coventry based, covering the Midlands.
Let us check it
against your home
Tell us about your property and what you would like fitted. One of our team will check it against the scheme and come back to you.
The loan comes from a lender, not from us. The scheme's conditions and borrowing limits are published at gov.uk/warm-homes-loan-scheme.
Do you own the property?
How much you can borrow
These are the measures we install, and the most the scheme allows for each. You can borrow for more than one — panels and a battery together, for instance.
Figures from the government's Warm Homes Loan Scheme factsheet, published 27 October 2026. The scheme covers some measures we do not install, such as ground source heat pumps and heat networks. We cannot tell you what rate or term you would be offered — that is the lender's decision and depends on your circumstances.
A little about the scheme
The idea is a simple one: fit a heat pump, solar panels or a battery now, pay nothing upfront, and spread the cost over several years. The government backs the loans — it describes them as no- and low-interest — and says the aim is to help thousands more households bring their energy bills down.
Demand has climbed quickly, which is no surprise to us. It is what we see across the Midlands, week in and week out.
Description and figures from the government's Warm Homes Loan Scheme factsheet, published 27 October 2026. What you would actually pay, and save, depends on your home and on the lender — we will give you real figures after a survey.
Warm Homes loans across the Midlands
The scheme is open across the UK, but the survey, the installation and the certificate all need someone local. We are based in Coventry and our engineers cover the Midlands day to day, so the whole job — the quote, the work and the support afterwards — comes from one firm down the road.
Most of our Warm Homes enquiries come from Coventry, Birmingham, Solihull, Leamington Spa, Rugby and Nuneaton, though we cover a good deal more than that. Tell us where you are and we will say straight away whether we can reach you.
Running a business rather than improving a home? Different funding applies — see business energy grants.
Who can apply
The scheme sets these conditions. Lenders may apply further rules of their own on top of them, so meeting all of these does not guarantee you will be approved.
Not sure whether your property qualifies? Tell us about it and we will give you a straight answer, including if the answer is no.
- You own the property, with or without a mortgage
- The property is in the UK
- The property is residential, not commercial
- The work is done by an MCS certified installer
- You do not carry out the work yourself
How it works
- 01
Free survey and a written quote
We look at your property and quote for the work itself. No obligation, and nothing to pay for the survey.
- 02
You apply to a lender
The loan comes from a lender, not from us and not from the government. We will talk you through the finance options and point you to the lenders on the government’s list.
- 03
The lender decides
They run their own affordability, credit and eligibility checks, and set the rate and the term. That decision is theirs alone.
- 04
We install it
Our MCS certified engineers carry out the work and issue your certificate, which the scheme requires you to keep.
Where we fit in
We are the installer, not the lender. We survey your property, quote for the work and carry it out to MCS standards, which the scheme requires. We do not lend money, we do not set rates, and we do not decide who is approved.
We can talk you through the finance options and point you to the lenders on the government's list. You are free to approach any of them, or to arrange finance elsewhere entirely, and we would rather you compared.
MCS certified, and registered
No. 00079508
EP-112385
Questions people ask us
It is a government-backed loan scheme for home energy improvements such as solar panels, battery storage and heat pumps. The loan itself comes from a participating lender rather than from the government, and the government has published a list of the lenders taking part. You pay nothing upfront and spread the cost over the term the lender agrees with you.
It depends on the measure. For the work we do, the government’s factsheet sets a maximum of £20,000 for an air source (air-to-water) heat pump, £15,000 for solar panels and £15,000 for battery storage, and you can borrow for more than one — panels and a battery together, for instance. The scheme also covers measures we do not install, among them ground source heat pumps, biomass boilers and heat network connections.
You must own the property, with or without a mortgage, and it must be residential and in the UK. The work must be carried out by an MCS certified installer and you cannot do it yourself. Individual lenders may also apply their own eligibility rules on top of the scheme’s.
The government’s factsheet says a Warm Homes loan can be combined with a Boiler Upgrade Scheme grant of up to £9,000 for a heat pump. The scheme’s own guidance also says you cannot use a Warm Homes loan and other government funding to pay for the same improvement. We will check exactly what applies to your installation and tell you before you commit to anything.
That is set by the lender, not by us, and it depends on your circumstances, the amount and the term. We are not able to quote a rate. The lender will give you the rate, the total amount repayable and the length of the agreement in writing before you sign anything, and you should compare that against other finance available to you.
The government asks you to keep your quote, your finance agreement, the invoice, proof of purchase and your MCS certificate. We issue the MCS certificate on completion and can re-send any of our own paperwork if you mislay it.
Get a quote for the work
Tell us about your property and we will quote for the installation itself. If you then want to pay for it through the Warm Homes Loan Scheme, we will point you to the lenders and you can decide.
- Free, no-obligation home survey
- MCS certified and NAPIT registered engineers
- Clear, itemised quote with no hidden costs
- Any grants you qualify for applied for on your behalf
Prefer to talk? Mon–Fri, 9am–5pm
0333 358 0096Not sure where to
start?
Ring us and talk it through with someone who fits these systems every week. No pressure, and no obligation to use us or any lender.