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Warm Homes Loan Scheme: borrowing for a home battery

A government-backed, lower-interest loan with no income test. What it covers, the caps, and what we cannot promise about rates.

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Check which grants and loans you may qualify for

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Updated 8 October 2026. Independent guide; not a government website and not an installer.

If you do not qualify for a grant, the Warm Homes Loan Scheme is the main government-backed way to spread the cost of a battery. It is a loan, but a cheaper one than usual.

How it works

  • A lender approved by DESNZ offers a personal unsecured or secured loan for eligible measures.
  • The government pays lenders up to 20% of the loan (for a term of three years or more). That money must be passed on by lowering the nominal interest rate.
  • There is no income threshold; any domestic property in the UK qualifies, for owner-occupiers and private landlords. The rules say the scheme complements Home Energy Scotland's own funding.

Loan caps (scheme rules, September 2026)

MeasureMaximum loan
Battery storage (standalone or with solar)£15,000
Solar PV£15,000
Air source heat pump£20,000 (before the Boiler Upgrade Scheme)
Air-to-air heat pump£10,000
Ground source heat pump£35,000

An MCS-certified product and installer are required. Electric vehicle chargepoints are allowed only alongside solar or a battery.

Could you qualify? Four questions, instant result.Check my eligibility

What to ask a lender

  1. Do you offer the Warm Homes Loan Scheme, and for batteries specifically?
  2. What is the representative APR, and how much of the 20% has been passed on?
  3. Is the loan secured against my home?
  4. What happens if I repay early?
Be careful with "zero-interest" wording. We have not seen the scheme rules promise it. Treat any ad using the scheme branding with caution, since lenders may not use it before DESNZ approval.

Compare funding routes for your home

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Frequently asked questions

Is the Warm Homes Loan Scheme a grant?

No. It is a loan from an FCA-authorised lender. The government pays lenders up to 20% of the loan so the interest rate can be lower.

Is the interest rate zero?

The rules do not promise zero. The government funding must be passed on by lowering the nominal interest rate, and each lender sets its own price.

How much can I borrow for a battery?

Up to £15,000 for a battery, standalone or with solar. Solar PV is also capped at £15,000 and heat pumps at £20,000 before the Boiler Upgrade Scheme.

Do I need to be on a low income?

No. There is no income threshold, although lenders run their own affordability checks. Owner-occupiers and private landlords are eligible.

Can I get one now?

The consumer launch phase began from September 2026, with a second lender window in late 2026 and onboarding in early 2027. Each lender chooses which measures to offer, so ask them directly.

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