Government-backed loans at low or 0% interest for solar panels, home batteries and heat pumps. Open to homeowners across the UK since 27 October 2026.
Last reviewed 3 November 2026 · Independent guide, not affiliated with the UK Government
At a glance
- A loan, not a grant: you repay it
- Interest up to 5 percentage points below standard loans, and some lenders offer 0%
- Up to 30 years to repay with some lenders
- Open across England, Scotland, Wales and Northern Ireland
- Can be combined with the Boiler Upgrade Scheme or Home Energy Scotland grants
Who can apply
- You must own the home, with or without a mortgage.
- It must be a residential property in the UK.
- Private landlords can borrow in their own name. Companies and SPVs can’t in this first phase.
- Renters can’t apply, but their landlord can.
There’s no income test. Lenders run their own credit and affordability checks, as with any loan.
How much you can borrow
| Technology | Maximum loan |
|---|---|
| Ground source heat pump | £35,000 |
| Air-to-water heat pump | £20,000 |
| Biomass boiler | £20,000 |
| Micro-renewables (wind, hydro) | £20,000 |
| Solar panels | £15,000 |
| Battery storage | £15,000 |
| Air-to-air heat pump (once MCS certified) | £10,000 |
| Heat network connection | £7,500 |
What it doesn’t cover
Insulation on its own isn’t funded by the loan. If you need insulation, look at the Warm Homes: Local Grant or our insulation guide.
How to apply
- Decide which upgrades suit your home. GOV.UK has a free recommendations tool.
- Check whether you can get a grant first, such as the Boiler Upgrade Scheme.
- Get quotes from MCS-certified installers.
- Compare participating lenders on the total amount repayable.
- Apply to the lender or through your installer. Keep your quote, agreement, invoice and MCS certificate.
More detail: using a loan and a grant together and repayment examples.
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