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Coming soon · Updated 15 October 2026

Warm Homes Loan Scheme

The Warm Homes Loan Scheme is a government-backed loan scheme, part of the wider Warm Homes Plan, designed to make solar panels, home batteries and heat pumps more affordable through lower-interest finance.

Please note: The planned 12 October 2026 launch was paused for government review. No new launch date or customer loan terms have been confirmed. Warm Homes Loans are not yet available.

Maximum loan amounts

These are maximum limits, not guaranteed loans. Borrowing depends on eligible costs, lender terms and affordability checks.

What you can borrow depends on your quote and the lender's checks. Heat pump caps apply before any Boiler Upgrade Scheme grant is deducted.

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The scheme explained

What is the Warm Homes Loan Scheme 2026?

Will it be interest free? Lenders may offer low- or zero-interest products, but 0% isn't guaranteed. Rates will depend on the lender and the product.