RELATED: How much can I borrow under the Warm Homes Loan Scheme?
The Scheme Level Rules Are Open
This is the part that surprises people. At scheme level, the Warm Homes Loan Scheme does not means test you. There is no income cap. There is no minimum EPC rating to reach first. There are no rules that shut out flats, terraces or older homes. It runs UK wide and is designed to sit alongside the devolved schemes in Scotland, Wales and Northern Ireland.
Owner occupiers of existing homes qualify. So do private rented sector landlords, borrowing on a personal basis rather than through a company. If you own more than one property, the rule is one loan per property. Mixed use homes are fine too, as long as the install mainly serves the household. Short term lets, annexes and home businesses do not rule you out.
RELATED: Do landlords qualify for the Warm Homes Loan Scheme?
Where the Real Test Sits
The scheme rules are open, but the lender is not a soft touch. These are real loans from FCA regulated lenders. Each lender will run its own credit and affordability checks before approving you, the same as any other borrowing. Some lenders may also add their own criteria on top of the scheme rules. So qualifying for the scheme and being approved by a lender are two different steps.
A couple of exclusions are worth knowing. Business or special purpose vehicle borrowing is out. Measures already funded by another public grant are out too, with two exceptions that can stack: the Boiler Upgrade Scheme and the Home Energy Scotland grant. And if you already claimed an OZEV grant for an EV chargepoint, you cannot then take a Warm Homes loan on that same chargepoint.
What to Do Before Lenders Launch
Here is the honest position. No consumer interest rates exist yet, so nobody can promise you a rate. The loans come from lenders, not from us and not from the government directly. We install the systems. We do not offer, arrange or advise on the credit.
There is nothing to apply for yet either. The scheme is expected from September 2026, subject to approvals, and the industry expects it could be later in the autumn. Anyone taking your details for the scheme today is not the scheme. The useful move is a loan ready quote. Ours are dated and itemised, with our MCS certification number and the system size in kW, which is exactly what a lender will ask to see. Get that in hand now and you can act the day the doors open.
Correct as of 24 July 2026.
