Can you get a Warm Homes Plan loan yet?
Not through a lender we can name. The scheme is funded and under way, but it reaches households through banks, building societies and other lenders. GOV.UK had not named a participating lender when we checked.
What has happened so far:
- January 2026. The Warm Homes Plan announced the loans.
- June 2026. Lenders were invited to apply to take part.
- September 2026. The first lender window closed. The scheme rules describe a first launch phase for households from September 2026.
- Later in 2026. A further lender window is expected.
What the loans are for
The plan describes loans that can pay for one technology or a package:
- solar panels and batteries;
- a heat pump, combined with the Boiler Upgrade Scheme grant;
- other measures over time, as the scheme expands.
The scheme rules cap a loan at £15,000 for solar panels and £15,000 for a battery.
Different lenders may offer different products. The plan gives two examples: adding to a mortgage, or taking out a separate loan.
How much money is behind it
The plan sets aside £2 billion for consumer loans. Up to £1.7 billion is to be lent through participating lenders, and up to £300 million is to bring down the cost of that borrowing.
That is funding for the whole scheme. It is not an amount any one household can claim.
What “low and zero-interest” means
Government money is used to lower the rate a lender charges. The plan describes both low-interest and zero-interest loans. No rates, terms or lender names had been published for households when we checked. Lenders have to be authorised by the Financial Conduct Authority to take part.
A loan is still a loan
It has to be repaid, and the lender decides whether to lend. Compare the total you would repay, not only the rate.
What you can use today
| What it does | Who it is for | |
|---|---|---|
| Boiler Upgrade Scheme | £7,500 towards an eligible air-to-water or ground source heat pump. A grant, not a loan | Property owners in England and Wales replacing fossil fuel or electric heating |
| Warm Homes: Local Grant | Council-delivered upgrades, including solar panels and batteries | Lower-income households in England in homes rated EPC D to G |
| 0% VAT | On installed heat pumps, solar panels and batteries until 31 March 2027 | Anyone having them installed in a home |
| Export payments | Suppliers pay for solar electricity you send to the grid, at rates they set | Homes with solar panels and a meter that records export |
The Boiler Upgrade Scheme and Warm Homes: Local Grant pages set out who qualifies. Our solar panel grants guide covers solar funding in each UK nation.
How to be ready
- Get quotes now. A written quote shows what you would need to borrow, if anything, after a grant.
- Use an MCS-certified installer. The Boiler Upgrade Scheme requires one, and the loan scheme’s rules do too.
- Watch the official page. Lenders will be named on GOV.UK. Our Warm Homes Plan page tracks what has opened.
If someone offers to arrange a Warm Homes Plan loan
No lender had been named when we checked. Be wary of anyone who asks for a fee to arrange one, and check GOV.UK before you share bank details. We do not offer or arrange finance ourselves.
Check which open scheme fits your home
Tell us what heats your home and whether you own it. We will take you to our eligibility check with those answers filled in. It is free, and nothing is sent until you choose to send it.
