Warm Home Loan Scheme
to power your home & business
The Warm Homes Loan Scheme helps eligible homeowners and private landlords access more affordable finance for eligible home energy improvements, including heat pumps, solar panels and battery storage
Loans are provided by participating lenders and are subject to their eligibility requirements, affordability checks and lending decisions. The government does not provide the loans directly.
Find out more about the Warm Homes Loan Scheme on GOV.UK:
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Frequently asked questions
Is the Warm Homes Loan Scheme a government loan?
No. The government supports the scheme, but loans are provided by approved participating lenders rather than directly by the government.
Is the Warm Homes Loan Scheme interest free?
No. It is not interest free, but a low rate loan that is subsidised by the government’s Warm Homes Loan Scheme.
Can I use the Warm Homes Loan for solar panels?
Yes, solar PV systems are expected to be one of the eligible improvements under the scheme.
Can landlords apply for the loan?
Yes, phase 1 is expected to include private landlords borrowing in a personal capacity.
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