Warm Homes Loan Scheme
0% & Low-Interest Funding for Solar & Battery.
The short version: the UK Government's Warm Homes Loan Scheme lets you install solar panels and battery storage with no upfront cost, spreading the payments over many years at 0% or low interest. It's available to homeowners across the whole UK — and Eclipse Solar Limited can install it all for you.
What is it?
The Warm Homes Loan Scheme is a government-backed loan designed to help households afford clean energy technology. Instead of paying thousands upfront, you borrow the money at 0% or low interest and repay it gradually — while your solar panels start cutting your energy bills straight away.
It's part of the government's £15 billion Warm Homes Plan, and it's separate from the grant scheme (which is free but only for lower-income households in England). This loan is open to every homeowner in the UK.
What can the loan pay for?
You can use the loan for one or more of these improvements:
- Solar photovoltaic (PV) panels
- Battery storage system
- Air source and ground source heat pumps
- Domestic wind turbines
- Heat network connections
- Micro hydroelectric systems
And the good news: you can apply for a loan to cover more than one of these at the same time.
Who's eligible?
To get a Warm Homes loan, all of the following must apply:
- You own the property — either outright or with a mortgage.
- The property is in the UK (England,
The property is in the UK (England, Scotland, Wales or Northern Ireland). - It's a residential property, not commercial.
Lenders may also have their own credit and affordability checks on top of this.
How much does it cost?
The government has worked with lenders to cut interest rates by up to 5% compared to a typical bank loan. Some lenders offer 0% interest.
Here's a real example from the government: a homeowner borrowing £10,000 over seven years would typically repay around £155 a month. Through this scheme, they could save up to £285 a year on repayments — and in some cases repay over up to 30 years.
How much could I save on bills?
Installing solar panels, a battery and a heat pump could save families up to £550 a year on energy bills — and a further £300 a year with a time-of-use tariff.
One important requirement:
The work must be carried out by an MCS-certified installer — you can't do it yourself and still qualify for the loan.
That's where we come in. Eclipse Solar Limited is a Milton Keynes-based installer specialising in solar panels and battery storage for homes and businesses across the UK.
How to apply
Decide on your system — tell us what you need (solar panels, battery, or both) and we'll quote you.
Choose a lender — the government's factsheet lists the approved lenders offering the loans.
Pass the checks — the lender will run standard credit and affordability checks.
We install — as your MCS-certified installer, we handle the fitting end-to-end.
You can see the full list of current lenders and more detail at the official Warm Homes Loan Scheme factsheet.
