Ten lenders were approved to offer Warm Homes loans at launch. We list them in alphabetical order, without ranking. We have no commercial relationship with any of them.
Last reviewed 3 November 2026 · Independent guide, not affiliated with the UK Government
| Lender | Notes |
|---|---|
| HomeServe Finance | Partnering with E.ON |
| Hometree Finance | Through installer partners, solar and battery loans |
| Propensio | Retail finance lender |
| Secure Trust Bank | Through retail partners on its V12 Retail Finance platform |
| Selina Finance | Homeowner lender |
| South Manchester Credit Union | For residents of central and south Manchester |
| Sunsave | Solar and battery provider with finance |
| Tandem Bank | Through installer partners |
| The Money Co-op | Not-for-profit co-operative |
| thisbank | Retail finance through multiple partners |
Notes are taken from the lenders’ own statements in the government factsheet. Always check the current list on GOV.UK, as more lenders are expected to join.
How to compare lenders
- Total amount repayable, not just the interest rate or monthly payment.
- Term: a longer term lowers monthly payments but can cost more overall.
- Fees: arrangement, early repayment or monthly fees.
- Installer choice: some lenders only work with their own installer partners.
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