Funding your project
Warm Homes finance.
Keep installer choice in view.
Understand the scheme, then compare the lender’s route as well as the rate. A lower APR does not establish a lower total project cost.
Information only. This page does not provide a finance offer, personal financial advice or a loan application. Loan products are supplied independently by lenders, subject to eligibility, credit and affordability checks. Finance through Energetika has not been confirmed.
Warm Homes Loan Scheme: the outline
What it can cover
The scheme supports low- or zero-interest loans through participating lenders for improvements including heat pumps, solar PV and battery storage. Individual products and approval vary. You must own a UK residential property; lenders set additional eligibility, credit and affordability requirements. Work usually needs an MCS-certified installer.
Rates, fees, terms and application routes vary. Compare the installed price and total repayments together, including any security over your home, early repayment charges and when funds are released.
Can you keep your chosen installer?
Check this before comparing headline rates. Some lending routes require an approved installer or a particular installation network. MCS certification alone does not establish access to every lender.
Ask for written confirmation that your chosen installer is accepted, whether another installation quote is required, and whether choosing the finance changes the installation price. Resolve any uncertainty about installer choice before committing to work.
Scheme loan limits for heat pumps, solar and batteries
- Solar PV: up to £15,000.
- Battery storage: up to £15,000.
- Air-to-water heat pump: up to £20,000.
- Ground-source heat pump: up to £35,000.
These are government scheme maximums for each technology, not a promise that a lender will offer that amount or a particular rate. Lender product limits, eligibility and total borrowing may differ. Check the government factsheet.
Official scheme overview · Eligibility · Participating lenders
Scheme overview checked 1 November 2026. This is an outline, not a finance offer or lender recommendation. Finance through Energetika has not been confirmed. Check grant eligibility and confirm funding before committing to work.
Warm Homes lenders and application routes
Ten lenders from the government lender list, listed alphabetically. Energetika provides information only and does not arrange credit or make lender introductions. Customers deal with the lender or its authorised channel.
Three lender records reviewed on 3 November 2026. The other seven retain their 1 November 2026 checks.
| Lender | Installer route | Published APR | Term |
|---|---|---|---|
| HomeServe Finance | Unconfirmed — ask before choosing | E.ON channel only: 0% APR on selected terms; 4.6% representative APR over 120 months | E.ON solar/battery 12, 24, 36 or 60 months at 0%; heat pumps 36 or 72 months at 0%; 120 months at 4.6% |
| Hometree Finance | Unconfirmed — ask before choosing | Not publicly verified | Not publicly verified |
| The Money Co-op | Direct application temporarily paused | 2.7% APR still displayed during the pause. Confirm the rate on reopening. | 36–84 months |
| Propensio | Installer onboarding required | Not publicly verified | Not publicly verified |
| Secure Trust Bank | Unconfirmed — ask before choosing | Not publicly verified | Not publicly verified |
| Selina Finance | No unrestricted route — approval/platform required | Fixed rate, numerical APR not verified | 5 years |
| South Manchester Credit Union | Direct application available | 9.4% APR on £1,000–£6,999. 3.6% APR on £7,000–£15,000. | 3–9.8 years |
| Sunsave Energy | Unconfirmed — ask before choosing | Not publicly verified for this scheme review | Not publicly verified |
| Tandem Bank | No unrestricted route — approval/platform required | Not publicly stated on scheme page | Not publicly stated on scheme page |
| This Bank | Unconfirmed — ask before choosing | Not publicly verified | Not publicly verified |
How to read the comparison
Direct application can be available or temporarily paused. An installer onboarding route requires lender approval of the installer. Unconfirmed means the published information does not establish the route. Missing terms leave fees and access unknown. Channel-specific offers apply only to the named channel.
Full lender records
HomeServe Finance
Customer’s chosen independent MCS installer:
Unconfirmed — ask before choosing
These published rates and terms are for the E.ON installation channel. They are not established as available with an independent Energetika quotation.
- Published APR
- E.ON channel only: 0% APR on selected terms; 4.6% representative APR over 120 months
- Term
- E.ON solar/battery 12, 24, 36 or 60 months at 0%; heat pumps 36 or 72 months at 0%; 120 months at 4.6%
- Loan amount
- Not separately confirmed
- Fees / extra costs
- Not confirmed for independent installations
- Application route and restrictions
- E.ON Next partnership; independent access not confirmed
Read source: https://www.eonnext.com/blog/warm-homes-loan-scheme-eon-next
Checked: 1 November 2026. Confirm current terms directly.
Hometree Finance
Customer’s chosen independent MCS installer:
Unconfirmed — ask before choosing
The government launch quotes an installer-partner route. This alone does not prove whether any independent MCS installer can join; unrestricted choice remains unconfirmed.
- Published APR
- Not publicly verified
- Term
- Not publicly verified
- Loan amount
- Not publicly verified
- Fees / extra costs
- Not publicly verified
- Application route and restrictions
- Through installer partners, according to government launch factsheet
Read source: https://www.gov.uk/government/news/warm-homes-loan-scheme-factsheet
Checked: 1 November 2026. Confirm current terms directly.
The Money Co-op
Direct application temporarily paused
Direct customer route accepts a quote from an eligible MCS installer of the customer’s choice when open.
- Application availability
- New eligibility applications paused from 2 November 2026 due to demand. Reopening date unannounced.
- APR
- 2.7% APR still displayed during the pause. Confirm the rate on reopening.
- Borrowing range
- £7,500–£25,000, subject to technology caps
- Repayment period
- 36–84 months
- Fees and charges
- Full fee terms unverified. The lender advertises no hidden fees and requires at least £5 monthly savings.
- Eligibility
- Owner-occupiers, subject to membership and affordability checks. Confirm geographical membership eligibility.
- Payment
- Funds released to the customer in stages against installer evidence. Customer pays installer. Repayments start on approval.
Checked .
Propensio
Installer onboarding required
Installer onboarding required — terms to be confirmed. Grid Guru reports that Propensio will onboard any MCS firm. Published lender terms do not establish that access.
- Application availability
- Availability through an onboarded installer and any direct customer route remain unconfirmed.
- APR
- Not publicly verified
- Borrowing range
- Not publicly verified
- Repayment period
- Not publicly verified
- Fees and charges
- Customer fees and installer transaction fees unconfirmed.
- Eligibility
- FCA/IAR requirements unconfirmed.
- Payment
- Payment arrangements and timing unconfirmed.
Checked .
Secure Trust Bank
Customer’s chosen independent MCS installer:
Unconfirmed — ask before choosing
Government list confirms participation; product terms and unrestricted installer choice have not been publicly verified in this review.
- Published APR
- Not publicly verified
- Term
- Not publicly verified
- Loan amount
- Not publicly verified
- Fees / extra costs
- Not publicly verified
- Application route and restrictions
- Government-listed lender; product specifics not established
Read source: https://www.gov.uk/warm-homes-loan-scheme/lenders
Checked: 1 November 2026. Confirm current terms directly.
Selina Finance
Customer’s chosen independent MCS installer:
No unrestricted route — approval/platform required
OpenSolar access is required as well as MCS certification. No direct website/broker application. Paid after installation; deposits and stage payments may need other funds. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
- Published APR
- Fixed rate, numerical APR not verified
- Term
- 5 years
- Loan amount
- Technology-specific limits; up to £65,000 total, subject to assessment
- Fees / extra costs
- £495 or £995 customer product fee; early repayment charges 5% down to 1% across years 1–5; no installer fee via OpenSolar
- Application route and restrictions
- Only through OpenSolar-enabled installer proposals at time checked; secured second-charge loan; England/Wales mortgaged main homes only; loan paid to customer after completion
Checked: 1 November 2026. Confirm current terms directly.
South Manchester Credit Union
Direct application available
Direct customer application with a valid quote from an MCS-certified installer dated within the last six months.
- Application availability
- Direct application link available on the lender’s product page.
- APR
- 9.4% APR on £1,000–£6,999. 3.6% APR on £7,000–£15,000.
- Borrowing range
- £1,000–£15,000
- Repayment period
- 3–9.8 years
- Fees and charges
- The lender advertises no hidden fees or charges.
- Eligibility
- UK homeowners, subject to credit union membership and credit assessment. Confirm any common-bond restrictions with the lender.
- Payment
- Reported route is payment to the customer, who pays the installer. Confirm disbursement and timing with the lender.
- Early repayment
- Published terms describe settlement after the three-year minimum term. Confirm how this applies under the loan agreement.
Checked .
Sunsave Energy
Customer’s chosen independent MCS installer:
Unconfirmed — ask before choosing
Research pack identifies Sunsave installation offers. A current unrestricted independent-installer route and complete scheme product terms are not verified here; do not assume general access.
- Published APR
- Not publicly verified for this scheme review
- Term
- Not publicly verified
- Loan amount
- Not publicly verified
- Fees / extra costs
- Not publicly verified
- Application route and restrictions
- Sunsave installation offering; no verified independent installer route
Read source: https://www.gov.uk/government/news/warm-homes-loan-scheme-factsheet
Checked: 1 November 2026. Confirm current terms directly.
Tandem Bank
Customer’s chosen independent MCS installer:
No unrestricted route — approval/platform required
The scheme page explicitly requires both MCS certification and Tandem finance approval. Customers cannot apply directly.
- Published APR
- Not publicly stated on scheme page
- Term
- Not publicly stated on scheme page
- Loan amount
- Not publicly stated on scheme page
- Fees / extra costs
- Not publicly stated on scheme page
- Application route and restrictions
- Only Tandem-approved MCS installers; no direct customer applications
Read source: https://www.tandem.co.uk/borrow/warm-homes-loan-scheme
Checked: 1 November 2026. Confirm current terms directly.
This Bank
Customer’s chosen independent MCS installer:
Unconfirmed — ask before choosing
Government list confirms participation; product terms and unrestricted installer choice have not been publicly verified in this review.
- Published APR
- Not publicly verified
- Term
- Not publicly verified
- Loan amount
- Not publicly verified
- Fees / extra costs
- Not publicly verified
- Application route and restrictions
- Government-listed lender; product specifics not established
Read source: https://www.gov.uk/warm-homes-loan-scheme/lenders
Checked: 1 November 2026. Confirm current terms directly.