Warm Homes Loan Scheme: Loans for Home Energy Improvements

The Warm Homes Loan is a government-backed loan for solar panels and battery storage, open to homeowners and landlords.

Government-supported finance

The government provides support to participating lenders under the scheme. Each lender sets its own interest rates and repayment terms.

Available UK-wide

Open to homeowners across England, Scotland, Wales, and Northern Ireland.

When does it launch?

The government has not yet confirmed when loans will be available to customers. We’ll update this page when the launch date and application details are announced.

Are Loans Available for Solar Panels and Heat Pumps?

The Warm Homes Loan Scheme (WHLS) is a government-supported scheme designed to help eligible homeowners and private landlords borrow for certain home energy improvements, including solar panels and some types of heat pump.

Loans will be offered by participating lenders. Government support is intended to reduce borrowing costs, but a loan is not a grant and must be repaid.

The Warm Homes Loan Scheme is now available through participating lenders. You can compare their products and apply directly to a lender or, where offered, through an installer. Interest rates, repayment terms, eligibility criteria and application processes vary by lender. Each lender will carry out its own checks and decide whether to offer you a loan.

Who Is Eligible for the Loans?

The scheme is intended for:

Owner-occupiers of existing homes
Private landlords applying for improvements to a property they own

(Tenants cannot apply for a loan themselves. Their landlord may be able to apply.)

The scheme does not set an income threshold. However, each lender sets its own product criteria and will assess your eligibility, creditworthiness and ability to afford repayments. Lenders may have additional requirements, such as asking for an Energy Performance Certificate. Meeting the scheme’s general criteria does not guarantee that a lender will offer you a loan.

Who qualifies	Owner-occupiers and private landlords (personal lending basis)
Income test	None — no household income threshold
EPC requirement	None set at scheme level — individual lenders may have their own requirements
Property type	Any domestic dwelling across the UK
Installer requirement	Must use an MCS-certified installer
Location	UK-wide, including Scotland, Wales, and Northern Ireland

Private landlords can also apply for WHLS loans on a personal lending basis — making it one of the few routes for landlords to access government-backed financing for renewable upgrades.

If you're on a lower income, you may qualify for a grant rather than a loan — which means you don't repay anything. See solar panel grants →

Must be installed by an MCS-certified installer — all Switch Together installers qualify.

Participating Lenders

The lenders listed below are participating in the Warm Homes Loan Scheme. Each lender offers its own products, eligibility criteria, interest rates and repayment terms.

Ten lenders are initially offering loans, some interest-free, meaning people can shop around for the one that works best, with up to thirty years to repay in some cases.

These lenders are:

Homeserve (partnering with E.On)
Hometree Finance
Propensio
Secure Trust Bank
Selina Finance
South Manchester Credit Union
Sunsave
Tandem Bank
The Money Co-op
This Bank

This is the first part of the scheme’s offer, with further lenders and products expected to join the scheme as it develops. Loans are subject to the lender’s terms and checks. Being listed here does not guarantee that you’ll be approved.

Considering solar panels or a heat pump?

Save with group buying

Switch Together uses group buying to help reduce the cost of home energy improvements. If you’re considering it, you may be able to combine group-buying savings with finance from a participating Warm Homes Loan Scheme lender.

Register your interest with Switch Together to receive an installation offer. If your area is covered, we’ll connect you with an installer to discuss your needs and provide a personal offer. Registering with Switch Together is not a finance application.

If you decide to explore finance, check the lender’s requirements. Some lenders work only with selected installers, and all loans are subject to the lender’s eligibility and affordability checks.

How To Apply for a Solar Panel or Heat Pump Loan?

Check the participating lenders’ available products, eligibility criteria and application processes to find out what may suit you. Each lender will assess your application, explain the interest rate and repayment terms, and decide whether to offer you a loan.

Loan amount and eligibility are set by the Warm Homes Loan Scheme and your lender, and may change before applications open. Switch Together is a credit broker, not a lender. We only provide finance information and links; we do not handle applications or make lending decisions. We receive no commission for finance introductions.— we connect you with an installer, who can connect you with a participating lender, and we can't guarantee approval or the amount you'll be offered. This is general information, not financial advice; visit gov.uk for the latest on the scheme.

Tell us which home energy improvement you’re interested in and provide your contact details.

Get matched with an installer

If you’re in a participating region, we’ll match you with an installer for the product you’re interested in.

Apply with your quote in hand

The installer will discuss your requirements and provide an offer for the proposed work.

Review the finance information

You’ll be given information about the available finance, including the lender’s terms, interest rate and repayments. Take time to review these details before deciding whether to apply.

Choose whether to apply

If you want to proceed, you can follow the lender’s application process. The lender will assess your application and decide whether to offer you a loan.

How Much Are the Loans Worth?

Under the Warm Homes Loan Scheme, you can borrow up to £15,000 for solar panels and up to £15,000 for battery storage.

Technology	Maximum loan
Solar PV (roof-mounted panels)	Up to £15,000
Battery storage (standalone or paired with solar)	Up to £15,000
Solar + battery combined	Up to £15,000 per technology
Air-water source heat pump	Up to £20,000

Loan terms must be three years or longer. Lenders set their own repayment periods within the scheme's parameters — your lender will confirm the options available to you.

What the loan covers

What the loan doesn't cover

✓ Solar panels and inverter

✓ Scaffolding and installation labour

✓ Grid connection and generation meter

✓ Battery storage (standalone or paired)

✓ EV chargepoint — when installed as part of a solar or battery installation

✓ Air-water source heat pump

✗ Insulation or structural roofing repairs

✗ EV chargepoints as a standalone installation

Not every lender will offer finance for every eligible improvement. Some measures also have specific conditions.

The scheme is intended to complement certain existing grants, such as the Boiler Upgrade Scheme and Scotland’s Home Energy Scotland scheme. Whether you can combine support will depend on the improvement and the relevant scheme rules.

Important information

This page provides general information about the Warm Homes Loan Scheme and is not financial or lending advice. The scheme is available through participating lenders. Product details, eligibility and application processes vary by lender, which is responsible for assessing applications and making lending decisions.

Switch Together helps customers explore installation offers. Registering with us is not a finance application, and we do not arrange or provide Warm Homes Loan Scheme finance on your behalf.

Warm Homes Loan Scheme

Eligibility and Updates