Two minutes, five questions

Are you eligible for a Warm Homes Loan?

This checker applies the published Warm Homes Loan Scheme rules to your answers. It runs entirely in your browser: nothing is submitted, stored or sent to us.

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No problem — the full eligibility criteria are written out below, and you can work through them yourself. Or just send us an enquiry and we will tell you where you stand.

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If this message stays on screen, use the written criteria below or get in touch.

The eligibility rules in full

These are the scheme's own criteria, as published by the Department for Energy Security and Net Zero (DESNZ). Individual lenders can add their own requirements on top.

Who can borrow

Owner-occupiers of existing domestic properties
Private rented sector landlords, borrowing in their own name

You must own the property, with or without a mortgage. Borrowing is on a personal lending basis only — companies, trusts and SPV structures cannot borrow, and tenants cannot borrow on a property they do not own.

Owners of multiple properties may apply for a loan for each property.

Which properties qualify

Any domestic property located in the UK — England, Scotland, Wales and Northern Ireland
Residential, not commercial
Any building or structure currently used, or suitable for use, as a dwelling
Mixed use is allowed where the installation principally meets the household's energy needs — working from home, short-term lets, annexes and converted garages are fine

The scheme sets no restriction by property type.

What the scheme does not require

No income-based eligibility threshold
No mandatory minimum energy-efficiency upgrade — there is no scheme-level "insulation first" rule
No restriction by property type

Lenders, however, remain responsible for creditworthiness and affordability assessments and may add their own criteria — the rules specifically mention a lender possibly requiring you to evidence an EPC.

Measures you can fund

Solar PV — up to £15,000, including additions to an existing array
Battery storage — up to £15,000, standalone or with solar
EV chargepoint — only as part of a solar and/or battery installation
Heat pumps, biomass (rural, BUS recipients), heat network connections, domestic wind and micro-hydro — each with their own cap

Not eligible: insulation, replacement roofing or structural work, windows and doors, and — currently — air-to-air heat pumps.

Installer requirements

An MCS-certified product, fitted by an MCS-certified installer certified for that specific measure
Installed to the relevant MCS design and installation standard
EV chargepoints: an OZEV-approved model and installer
You cannot do the work yourself

No additional accreditation, PAS compliance or TrustMark registration is needed beyond existing MCS requirements. Heat network connections are exempt from the MCS installer rule.

Loan parameters

Rate support requires a term of three years or more
Some lenders offer terms up to 30 years
Unsecured personal loans, point-of-sale finance, or secured borrowing against the property
No double-funding of the same measure from another public grant, other than the Boiler Upgrade Scheme and the Home Energy Scotland heat pump grant

What we can and cannot tell you

We are an independent installer, not a lender or a credit broker. We can tell you whether your property and your project fit the scheme's rules, and we can produce the quote a lender needs. We cannot approve a loan, predict a rate, or guarantee any lender's decision. Confirm the rules on GOV.UK.

Free, no-obligation

Think you qualify? Let's get you a quote

Send us a few details and we will confirm what your home can support and what it would cost — in the itemised, MCS-certified format lenders ask for.

MCS-certified installation — a requirement of the Warm Homes Loan Scheme
Itemised quote with system size in kW, in the format lenders ask for
Solar, solar + battery, battery-only retrofit or an EV charger added to either
No hard credit check from us, and no cost for a quote

Prefer to talk it through? Email [email protected].

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Important: who we are, and who we are not

Warm Home Loans is operated by Warm Home Loans, an independent installer based in South Wales. We are not the UK Government, not the Department for Energy Security and Net Zero (DESNZ), and not a lender or a credit broker. This website is not an official government service and is not endorsed by or affiliated with any government department.

The Warm Homes Loan Scheme is a government-supported, lender-led scheme. Loans are offered by FCA-authorised lenders listed on GOV.UK — not by us. We do not decide who gets a loan, we do not set interest rates, and we cannot approve or guarantee any application. What we do is design and install the solar, battery and EV charging work, and give you the MCS-certified itemised quote a lender needs.

What we are is useful. We have been installing for over 15 years, and we help with both halves of this: getting the funding paperwork right — an itemised, MCS-certified quote in the format lenders are required to ask for, and the MCS lodgement afterwards that your lender needs to release the money — and designing and fitting the system itself. One point of contact, end to end. The loan decision is always the lender's.

Always check the scheme rules and the list of participating lenders on GOV.UK before making a decision. A loan is a financial commitment: your home may be at risk if you take secured borrowing against it and do not keep up repayments.

Scheme facts on this site were last checked against GOV.UK on 31 October 2026.