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Warm Home Loan Scheme
Mon–Fri 9am–5pm
01244 389336
Ignite
Opening to homeowners & landlords — September 2026

The Warm Homes Loan Scheme

The Warm Homes Loan Scheme brings down the interest rate on retrofit finance from participating lenders,  with no income threshold. Register your interest and we'll confirm exactly what's available, and when, as soon as it opens in your area.

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REGISTER YOUR INTEREST
Register Your Interest

For the Warms Home Loan Scheme

Step 1 of 3

What is the housing ownership status?(Required)
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What is the Warm Homes Loan Scheme?

The Warm Homes Loan Scheme is part of the government's £15 billion Warm Homes Plan. Rather than the government lending money directly, it puts £300 million into subsidising the interest rate on loans offered by participating banks and finance companies enough, the government estimates, to support around £2 billion of private lending for home retrofit by 2030.

In practice, that means: you'll apply for a loan with an FCA-regulated lender, the government's subsidy brings the interest rate down, and the lender must pass that saving on to you in full (this is audited, with clawback if they don't). It's a loan you repay, not a grant.

It's expected to open to homeowners and landlords from September 2026, with lenders coming on board in phases through into 2027.

  • No income threshold
    There's no income test or benefit requirement to qualify.
  • Owner-occupiers & landlords
    One loan per property. Standard credit and affordability checks apply.
  • Installed by MCS-certified pros
    Every qualifying installation is carried out by our accredited installer network.

What's covered

What you can borrow for

Higher-cost, low-carbon measures. Insulation isn't eligible under this scheme.

MeasureTypical loan cap
Air-to-water heat pumpUp to £20,000
Solar PVUp to £15,000
Battery storageUp to £15,000
Air-to-air heat pumpNot yet eligible – pending MCS standards—

Heat pumps caps apply after any Boiler Upgrade Scheme grant. EV chargepoints are only eligible alongside solar or battery storage, not on their own.

Who's it for?

  • No income threshold and no minimum EPC rating at scheme level — this is different from ECO4 and Warm Homes: Local Grant, which are targeted at lower-income households.
  • Open to owner-occupiers and private landlords (one loan per property).
  • You'll still need to pass the lender's own credit and affordability checks — the government subsidy reduces the rate, it doesn't remove normal lending criteria.
  • Work must be carried out by an MCS-certified installer for that specific measure — which is exactly what Ignite's installer network is.
Find Out More
How it works with Ignite

From interest to installation

01
Register your interest
Tell us what you're considering and we'll keep you updated as lenders come online.
02
Free survey & quote
An accredited assessor specs the work and gives you an itemised cost.
03
Arrange your loan
Apply with a participating lender using your quote, once the scheme is live.
04
Certified installation
Our MCS-accredited team carries out the work, paperwork included.
Find Out More
Questions

The bits people ask first.

No, it's a loan you repay, just at a lower interest rate than you'd normally get, because the government pays part of the interest to the lender on your behalf.

No. Unlike ECO4 or Warm Homes: Local Grant, there's no income threshold or benefits requirement — though your lender will still run a normal credit and affordability check.

No. Insulation is strictly an excluded measure under the official scheme rules and cannot be funded.
Because we specialise in heat pumps, solar panels, and battery storage, our quotes will only ever cover eligible technologies and their direct installation works.

Yes. You can combine the loan with the Boiler Upgrade Scheme (BUS) grant to cover the remaining balance of your installation costs.

  • Standard Grant: £7,500 if you are replacing a mains gas or electric heating system.
  • Off-Grid Uplift: £9,000 if you are replacing an oil or LPG heating system (available for a limited time until 31 March 2027).
“Ignite were amazing! The process was quick & simple and they handled everything… The application was straight forward and able to be done online which made it so simple & easy!”
Register your interest

Be first to know when it opens

Leave your details below. There's no eligibility check to pass — we'll simply confirm what's available and get you booked in for a free survey as soon as lenders go live in your area.
Register Iour Interest

For the Warms Home Loan Scheme

Step 1 of 3

What is the housing ownership status?(Required)
Ignite

Call: 01244 389336

Email: info@ignitese.co.uk

Mon–Fri 9am–5pm

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Ignite Sustainable Energy. Registered in England & Wales. ICO registered. EPC assessors certified under the relevant government accreditation scheme. Finance provided by Hometree subject to eligibility. Solar installation carried out by Emerald Solar Ltd, MCS certified.
© 2026 Ignite Sustainable Energy

Are you eligibble for the Boiler Upgrade Scheme?

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Do you need an EPC for your property?

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Are you eligible for the Warm Home Loan Scheme?

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