Pay monthly for solar, batteries, heat pumps and boilers

There are three separate finance products, all with fixed monthly payments. You choose one when you apply.

Warm Homes finance (4.6%APR Representative over up to 10 years, or 6.0%APR Representative over 15 years) covers solar panels (with or without a battery) and air source heat pumps with no deposit: a lower-rate loan supported by the government's Warm Homes Loan Scheme.

Pay monthly (9.9%APR Representative) is available on solar panels, battery storage, boilers and air source heat pumps, and lets you spread the cost over up to 15 years with interest and no deposit.

0% interest-free is available on air source heat pumps over 12, 24 or 36 months with no deposit when your Boiler Upgrade Scheme grant covers it (a deposit of up to 25% without a grant), on battery storage (with or without solar panels) over 12 to 24 months with a 25% deposit, and on selected boilers over 12, 24 or 36 months with a 20%, 30% or 40% deposit.

A lower-rate loan for solar panels (with or without a battery) and air source heat pumps, supported by the government's Warm Homes Loan Scheme. The scheme helps the lender bring the interest rate down, so through UKEM it runs at 4.6%APR Representative over up to 10 years, or 6.0%APR Representative over 15 years, with no deposit.

It works alongside the Boiler Upgrade Scheme grant, which comes off a heat pump first, and the install must be MCS certified, as all of ours are. It is for homeowners who live in the home, and we check scheme eligibility when you apply. Subject to status and affordability.

Yes. With the 0% option, no interest is charged at any point during the agreement.

The total you repay, including any deposit, equals the cash price of your installation, with no arrangement fees added to the headline price.

Available on battery storage (with or without solar panels), air source heat pumps and selected boilers, subject to status and affordability.

It depends on the option.

Pay Monthly Finance and Warm Homes finance need no deposit, though on pay monthly you can put down up to 25% (50% on boilers) to reduce your monthly payments.

Interest Free Credit needs no deposit on air source heat pumps when your Boiler Upgrade Scheme grant covers it (a deposit of up to 25% without a grant). It includes a deposit on everything else: 25% on battery storage (with or without solar panels), and 20%, 30% or 40% on selected boilers depending on whether you repay over 12, 24 or 36 months. On selected boilers you can choose to pay more, up to 50%.

The minimum finance amount after any deposit is £1,000. Terms are confirmed in your credit agreement before you sign.

Your first payment is normally collected by Direct Debit around one month after your installation is complete, not when you apply or when the agreement is signed.

The exact date is confirmed in your credit agreement before you sign and commit.

No for a quote alone; yes if you apply for finance.

Getting an installation price doesn't touch your credit file. A full finance application runs a credit check recorded on your file, and only happens once you choose regulated credit. This is standard for any regulated credit agreement.

Yes, whenever you like.

Ask the lender for a settlement figure: the remaining balance plus an early settlement charge of up to two months' interest. On the 0% option there is no interest, so settling early means paying the remaining balance.

If you would rather chip away at it, you can overpay at any time, as a lump sum or a regular extra amount, with no charge. That cuts both the interest and the term.

Yes. If you are eligible for a grant such as the Boiler Upgrade Scheme, the grant amount is deducted from the total cost first.

You can then finance the remaining balance with any of our options, including Warm Homes finance on heat pumps. See our grants advice hub for current schemes.

The minimum loan amount is £1,000 and the maximum is £25,000, covering most residential installations we quote.

Warm Homes finance has its own limits: up to £20,000 on a heat pump (less your grant) and £15,000 on solar (with or without a battery).

If you pay an optional deposit, the financed amount after the deposit must still be at least £1,000. Your quote shows the cash price so you can see what fits within those limits before applying.