Finance Your Solar & Battery System with the Warm Homes Loan Scheme
The Warm Homes Loan Scheme brings low-interest and interest-free loan options for eligible solar panels and battery storage through participating lenders. The Department for Energy Security and Net Zero (DESNZ) announced the first ten participating lenders on 27 October 2026.
Greenway Energy Ltd is an MCS-certified solar PV and battery storage installer. Start with a survey and an itemised quotation for your home, with system design, installation and commissioning handled by our team.
Source: DESNZ Warm Homes Loan Scheme factsheet — published 27 October 2026.
What the scheme offers homeowners
The DESNZ announcement of 27 October 2026 confirms the following finance options for eligible home energy upgrades.
Ten initial lenders
Ten lenders are initially offering loans. DESNZ expects further lenders and products to join as the scheme develops.
Some loans are interest-free
The initial offer includes low-interest and interest-free loans. Lenders carry out affordability, credit and eligibility checks when assessing applications.
Solar and battery finance
Eligible solar panel installations have a scheme loan cap of £15,000. Electrical battery storage has a separate £15,000 cap.
Source: DESNZ Warm Homes Loan Scheme factsheet — published 27 October 2026.
Warm Homes Loan Scheme at a glance
The key points for homeowners considering solar panels or battery storage.
Solar PV loan cap
Finance up to £15,000 of eligible solar installation costs. New rooftop systems and additional panels on an existing installation can qualify.
Battery storage loan cap
Finance up to £15,000 of eligible battery installation costs, whether installed alongside solar panels or as standalone battery storage.
Percentage-point rate reduction
Government support is designed to reduce the lender’s nominal annual fixed interest rate by up to five percentage points, subject to the scheme’s grant cap.
Certified installation
Solar PV and battery installations must meet the relevant MCS requirements. Greenway Energy Ltd is MCS certified for both technologies.
Loan caps include eligible associated works. The available loan amount, interest rate, APR and repayment terms depend on the chosen lender and product. Finance is subject to affordability, credit and eligibility checks.
Sources: DESNZ factsheet — 27 October 2026 and Scheme Rules — September 2026 .
What solar and battery work can be financed?
The scheme covers new rooftop solar, additional panels and battery storage, together with eligible work needed to complete the installation.
Solar PV
New rooftop solar installations and additional panels added to an existing solar PV system can qualify.
- New rooftop solar PV systems
- Additional panels on an existing installation
- Installation labour and equipment
- Scaffolding and temporary safety equipment
- Eligible grid connection work
Battery storage
Battery storage can qualify whether installed with solar panels or as a standalone home battery system.
- Battery storage paired with new solar
- Standalone battery installations
- Integration with an existing solar system
- Monitoring and control setup
- Required isolators, breakers and protection
EV charging
An EV chargepoint can be included as part of an eligible solar or battery installation. The installer and residential chargepoint must be approved by the Office for Zero Emission Vehicles (OZEV).
- EV charger installed with solar or battery storage
- Associated electrical installation work
- OZEV-approved installer and chargepoint
- Available as an add-on to eligible work only
Eligible installation costs: Associated works must fall within the relevant solar or battery loan cap. Replacement roofing and structural work required before solar installation are excluded. An EV chargepoint installation already funded by an OZEV or other grant cannot also be financed through this scheme.
Who can use the Warm Homes Loan Scheme?
The scheme supports eligible owner-occupiers and private landlords financing home energy improvements across the UK.
Owner-occupiers
Apply for finance for qualifying improvements to an existing domestic property that you own and live in.
Private landlords
Private landlords can apply on a personal borrowing basis for eligible improvements to domestic rental properties. Loans to businesses or special-purpose companies are excluded.
DESNZ does not set an income threshold for eligibility.
DESNZ does not impose a mandatory minimum energy-efficiency upgrade requirement.
The scheme does not restrict eligibility to a particular type of domestic property.
Lenders choose which borrower groups their products support and assess affordability and creditworthiness. Additional lending criteria may apply, including a requirement to provide an Energy Performance Certificate (EPC).
Source: DESNZ Scheme Rules — September 2026, sections 3.7, 3.9 and 4.4–4.6 .
From your first survey to installation
Start with your home and the system you want to install. Greenway handles the survey, design and installation; your chosen lender handles the finance application.
Get your survey and quotation
We assess your property, electricity use and installation requirements, then prepare a system design and itemised quotation for your solar panels or battery storage.
Arrange your finance
Apply through your chosen participating lender’s application route. The lender assesses affordability, creditworthiness and scheme eligibility, and sets out the loan terms and payment arrangements.
Installation and certification
Once finance and payment arrangements are agreed, Greenway carries out the installation, testing and commissioning. Completed work is registered on the MCS Installation Database, producing the certificate used for lender verification.
Application routes and payment arrangements vary by lender. Loans are provided by participating lenders and repaid under the agreed finance terms.
Scheme application and verification requirements: DESNZ Scheme Rules — September 2026, sections 5.17–5.28 .
MCS-certified solar and battery installation
The Warm Homes Loan Scheme requires solar PV and battery installations to be carried out by installers with the relevant Microgeneration Certification Scheme (MCS) certification.
Certified for both solar PV and battery storage
Greenway Energy Ltd holds MCS certification for solar PV and battery storage installations.
We provide system design, installation, testing and commissioning, followed by registration of the completed installation with MCS.
Recognised technical standards
Eligible installations must meet the relevant MCS design and installation standards for the technology being installed.
Your installation certificate
Completed work is registered on the MCS Installation Database. The resulting certificate provides the basis for the lender to verify that the installation requirements have been met.
Scheme requirements: DESNZ Scheme Rules — September 2026, sections 2.6–2.7, 4.24 and 5.25 .
Participating lenders and finance options
DESNZ announced the first ten participating lenders on 27 October 2026. The initial offer includes low-interest and interest-free loans, with further lenders and products expected as the scheme develops.
Ten participating lenders
- HomeServe Partnering with E.ON
- Hometree Finance
- Propensio
- Secure Trust Bank
- Selina Finance
- South Manchester Credit Union
- Sunsave
- Tandem Bank
- The Money Co-op
- This Bank
Choosing your finance
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Interest-free options available
DESNZ confirms that some initial loans are interest-free. Check the rate and terms of the particular product you are considering.
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Compare the full repayment cost
Consider the total amount repayable, the repayment period and any monthly fees when comparing offers.
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Application and installer arrangements
Some lenders work with specific installers; others allow customers to choose any MCS-certified installer. Follow your chosen lender’s application process.
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Lender assessment
Applications are subject to the lender’s affordability, credit and eligibility checks.
Source: DESNZ Warm Homes Loan Scheme factsheet — published 27 October 2026.
Warm Homes Loan Scheme FAQs
Answers to common questions about financing solar panels and home battery storage.
Can I apply for a Warm Homes Loan now?
DESNZ announced on 27 October 2026 that ten lenders are initially offering loans. Applications follow the chosen lender’s process and are subject to affordability, credit and eligibility checks.
Are interest-free loans available?
Yes. DESNZ confirms that some initial products are interest-free. This does not mean every loan has a zero interest rate. Compare the product’s repayment terms, fees and total amount repayable.
Is the Warm Homes Loan Scheme a grant?
Customers receive a repayable loan. Government support goes to participating lenders to help reduce borrowing costs.
Can I finance solar panels or add more panels?
Yes. New rooftop installations and additional panels qualify, subject to scheme and lender requirements. The solar cap is £15,000, including eligible associated works.
Can I finance a battery without buying new solar panels?
Yes. Standalone batteries and batteries integrated with existing solar are eligible. The battery cap is £15,000.
Can solar and battery storage be financed together?
Both technologies are eligible, with separate £15,000 caps. The lender decides which measures and loan amounts its product supports.
Can I include an EV charger?
Yes, alongside eligible solar or battery installation. The chargepoint and installer must be OZEV approved. Standalone EV charging is excluded.
Can the same EV charger receive a grant and scheme finance?
No. Chargepoint installation costs already funded by an OZEV or other grant cannot also receive scheme finance.
Is there an income limit?
The scheme sets no income threshold. Lenders assess affordability and creditworthiness.
Will I need an Energy Performance Certificate (EPC)?
A lender may require an EPC as part of its eligibility checks.
Do I need an MCS-certified installer?
Yes. Solar and battery installers need MCS certification for the relevant technology.
Which lenders are participating?
The ten lenders named by DESNZ are listed in the participating-lenders section above. Further lenders and products are expected as the scheme develops.
Sources: DESNZ factsheet — 27 October 2026 and September 2026 Scheme Rules .
Official sources
Read the official launch announcement and scheme rules, explore MCS standards, or review the scheme’s customer privacy notice.
Launch announcement and participating lenders
The DESNZ factsheet published on 27 October 2026 names the first ten lenders and explains the loan offer, technology caps and installer arrangements.
Read the official launch factsheetWarm Homes Loan Scheme Rules
The September 2026 rules set out borrower and property eligibility, supported technologies, loan caps, installer requirements and verification processes.
Read the September 2026 rules (PDF)MCS Standards & Tools Library
Access technical standards and guidance published by MCS.
View the MCS standards libraryCustomer privacy notice
Read how DESNZ handles personal information relating to customers receiving loans through the scheme.
Read the scheme’s customer privacy noticeScheme information reviewed: 28 October 2026. This page includes the DESNZ launch announcement published on 27 October 2026 and the September 2026 Scheme Rules.
Greenway Energy Ltd
Start your solar & battery project
Book a free survey to explore solar panels, battery storage or a combined system designed around your home and electricity use.
Greenway Energy Ltd is MCS certified for solar PV and battery storage. We survey, design and install systems across London and the surrounding areas, with an itemised quotation so you can see what your installation includes.
Book Your Free Solar SurveyFrom survey to installation
- Property and electrical survey
- System design and solar generation estimates
- Itemised installation quotation
- Grid connection applications and notifications where required
- Installation, commissioning and MCS certification