Coming soon
Warm Homes finance is on its way
The Warm Homes Plan will help homeowners pay for cleaner heating and their own power. Here is what we know so far.
- Part of the government's £15bn Warm Homes Plan to upgrade 5 million homes by 2030
- Government-backed loans for heat pumps, solar panels and home batteries (rates confirmed at launch)
- Works alongside the Boiler Upgrade Scheme: up to £9,000 off a heat pump
- 0% VAT on heat pumps, solar and batteries until 31 March 2027
Thank you, you're on the list
- We email you first the day Warm Homes finance opens, with the confirmed rates and terms.
- You get a fixed price online, with the grant and the finance built in.
- No obligation. Registering commits you to nothing.
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Warm Homes finance will be subject to status and affordability. Rates, terms and eligibility will be confirmed at launch.
The Warm Homes Plan
What is the Warm Homes Plan?
The Warm Homes Plan is the government's £15bn programme to upgrade up to 5 million homes by 2030. It brings home energy grants and low-cost loans together under one plan, and takes over from ECO4, which closes on 31 December 2026.
- £15bn
- committed to 2030
- 5 million
- homes to upgrade
- £9,000
- off a heat pump for oil and LPG homes
What you can do today
Warm Homes finance is not open yet. These are, and they work alongside it.
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See your heat pump price
Get a fixed price online now, with the Boiler Upgrade Scheme grant already taken off.
See my heat pump price -
Check ECO4 while it is open
ECO4 still funds upgrades for eligible households until 31 December 2026. Our checker shows whether you might qualify.
Check ECO4 -
Read the full guide
Every part of the Warm Homes Plan explained, with who each part is for.
Read the guide
What's inside the plan
- Grant, open now
Boiler Upgrade Scheme
The heat pump grant carries on inside the plan, with funding confirmed to 2029/30. It takes £7,500 off an air source heat pump, or £9,000 for homes moving off oil or LPG until 31 March 2027. How the grant works.
- Grant, means-tested
Warm Homes: Local Grant
Run through councils for lower-income households, it pays for insulation, heat pumps and solar panels. Most homeowners above the income limits will not qualify.
- Coming soon
Warm Homes finance
Government-backed loans for homeowners who want a heat pump, solar panels or a home battery but will not get a fully funded grant. Register to hear the day it opens.
- Tax relief, open now
0% VAT
Heat pumps, solar panels, home batteries and insulation carry no VAT until 31 March 2027, on top of any grant or finance.
Where things stand
What we know so far
- It covers heat pumps, solar panels and home batteries
- The work must be done by an MCS-certified installer
- The scheme lender decides on each loan, not UKEM
Still to be confirmed
- The interest rate and loan terms
- Which lenders take part
- The launch date
We will update this page as each one is confirmed. Register and we will email you too.
What people ask about Warm Homes finance
Is Warm Homes finance open yet?
Not yet, and no launch date has been confirmed. Register your interest and we will email you the day it opens, with the confirmed rates and terms.
Will the loans be interest free?
Rates have not been confirmed. The scheme is designed to make borrowing cheaper, and the scheme lender sets the final rate. We will share it as soon as it is confirmed.
Who will be able to apply?
Homeowners are expected to be able to apply, including landlords who let homes privately. The scheme lender decides on each loan, subject to status and affordability. If you rent, let your landlord know about the scheme.
Does it cover insulation, windows or a new roof?
It is expected to cover heat pumps, solar panels and home batteries. Insulation, windows and roof repairs are not expected to be covered on their own. For lower-income households, the council-run Warm Homes: Local Grant can pay for insulation.
What happens to my details when I register?
We only use them to tell you when Warm Homes finance opens, plus UKEM news if you tick that box. Registering is not a loan application, and nothing is sent to a lender. See our Privacy Notice.