Warm Homes Loan Scheme: Launching September 2026
WHY OFFER CUSTOMER FINANCE?
Don't lose the sale because of the cost.
Customers may want solar, a battery or a heat pump but still hesitate at a large upfront payment. A properly structured finance journey gives suitable customers another way to consider proceeding.
More sales opportunities
Give suitable customers another way to pay and create more opportunities to turn enquiries and quotations into completed installations.
Help overcome upfront cost
Customer finance can allow an eligible borrower to spread the cost rather than fund the full installation in one payment.
Build a better sales journey
Make finance part of the conversation from quotation stage, with the right disclosures, training and customer-facing tools.
Get the compliance side right
WHFS helps businesses understand and manage the processes involved in promoting and introducing customer finance appropriately.
INDUSTRY UPDATE
GET READY FOR THE GOVERNMENT- SUPPORTED WARM HOMES LOAN SCHEME
The Warm Homes Loan Scheme is a Government-supported, lender-led initiative designed to increase the availability of affordable finance for eligible low-carbon home upgrades across the United Kingdom.
The Scheme is primarily aimed at eligible owner-occupiers and private rented sector landlords who are able to borrow but may face barriers such as high upfront costs or limited access to suitable finance.
Participating lenders remain responsible for product design, underwriting, pricing and lending decisions. The official Scheme Rules also allow supported products to include personal unsecured lending and certain embedded or point-of-sale finance journeys.
The Warm Homes Loan Scheme: what MCS installers need to know.
SCHEME INFORMATION
WHAT CAN BE FINANCED?
For relevant technologies, installations must be completed by appropriately MCS-certified installers.
These are Scheme-level caps from the current rules. They are provided as industry information and are not a finance offer from WHFS.
* Heat-pump and biomass caps are stated in the Scheme Rules prior to deduction of any applicable Boiler Upgrade Scheme grant. Air-to-air heat pumps are listed in the rules but are not currently eligible until the required MCS standards and related conditions are in place.
Solar PV
✓ Funded by UK Government
Scheme Loan Cap: £15,000
Battery Storage
✓ Funded by UK Government
Scheme Loan Cap: £15,000
Air-to-Water Source Heat Pumps
✓ Funded by UK Government
Scheme Loan Cap: £20,000*
Ground Source Heat Pumps
✓ Funded by UK Government
Scheme Loan Cap: £35,000*
Eligible Biomass Boilers
(Rural properties only)
✓ Funded by UK Government
Scheme Loan Cap: £20,000*
Heat Network & Micro-Renewables
✓ Funded by UK Government
Scheme Loan Caps: £7,500 / £20,000
WHY JOIN WHFS?
The Warm Homes Loan Scheme operates within existing consumer-credit regulations.
The Government Scheme Rules specifically allow eligible customers to apply for finance:
Directly with a participating lender
OR
Via an FCA-approved intermediary, where applicable.
Through Warm Homes Finance Solutions, eligible installers can apply to join the First Call Group Limited (FCG) Financial Conduct Authority (FCA) network and be ready to introduce your customers to the finance proposition.
You install. We help make the finance side straightforward.
STEP 01
Join WHFS
Tell us about your business, your MCS certification and the technologies you install.
STEP 02
Regulatory Setup
We handle the relevant FCA process and help prepare your business for lender onboarding.
STEP 03
Lender Onboarding
Your business completes the participating lender's checks and approval process.
STEP 04
Start Introducing
Once fully approved, you can introduce eligible customers to the available finance journey.
Get your business ready to offer finance.
NETWORK OFFER
£99 + VAT SETUP
Then £99 + VAT per month
✓ WHFS network onboarding
✓ Support with relevant FCA / IAR setup
✓ Participating lender onboarding support
✓ Ongoing compliance support
✓ Access subject to successful checks and approval
Be ready when customers ask,
“Can I pay monthly?”
Build a compliant customer-finance journey into your renewable-energy sales process.
Frequently Asked Questions
START YOUR FINANCE JOURNEY
Ready to make customer finance part of your business?
Tell us about your MCS business and we'll talk you through how WHFS can support your regulatory, compliance and customer-finance setup.
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CONTACT US
✉ info@whfs.online
☎ 0191 249 8188
© Warm Home Finance Solutions is a trading style of First Call Group Limited who is acting as a credit broker offering finance products from a panel of lenders. Warm Homes Finance Solutions may receive a commission for introducing you to a lender. First Call Group Limited is authorised and regulated by the Financial Conduct Authority, registration number 753324 and address is Unit A James Carter Road, Mildenhall, Bury St. Edmunds, Suffolk, England, IP28 7DE. Credit is subject to status.
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