Spread the cost with a Warm Homes loan

What is the Warm Homes Loan Scheme?

The Warm Homes Loan Scheme is part of the government's Warm Homes Plan. It offers government-backed no-interest and low-interest loans so homeowners can install clean energy technology such as heat pumps, solar panels and batteries without paying upfront, spreading the cost over a number of years.

The loans are provided by approved lenders (for example banks and specialist finance companies), not by the government and not by Soloris. Soloris does not lend money or arrange credit. We provide the quote and proposal you need for your loan application with one of the lenders.

• For homeowners (with or without a mortgage) of residential properties in the UK
• Lenders carry out their own credit and affordability checks, and may have extra eligibility rules
• Work must be carried out by an MCS-certified installer
• Can be combined with a Boiler Upgrade Scheme grant, but not to pay for the same part of the work

Lenders we work with

Soloris works with Selina Finance and Propensio, both listed by GOV.UK as lenders offering Warm Homes loans. Each lender sets its own products, terms and eligibility rules; for example, some products are only available to homeowners with an existing mortgage. You apply to the lender directly, and the lender makes the lending decision.

Official information: GOV.UK, Warm Homes Loan Scheme · Lenders offering Warm Homes loans

Other Warm Homes support

If you're on a low income you may be able to get free energy-saving improvements through the Warm Homes: Local Grant, run by local councils in England. Getting an air source heat pump? You may also qualify for a Boiler Upgrade Scheme grant of up to £9,000.

Official sources: GOV.UK, Warm Homes Plan · Warm Homes: Local Grant

Information checked against GOV.UK on 1 November 2026. Scheme details can change.