Solar panels
Generate electricity from daylight with a system designed around your roof, usage and property.
Explore solar panels →Government-backed support for home energy improvements
Working homeowner?
Think government support isn’t for you?
This scheme could be for you.
You don’t need to receive benefits. WHLS is not limited to low-income households. Eligibility and lender checks apply.
The Warm Homes Loan Scheme has launched. Explore how supported lending could help you spread the cost of eligible improvements, including solar panels, battery storage and heat pumps.
Request your free proposal →Finance is subject to status, affordability and lender approval. Availability through WorkWork depends on provider activation and the product offered. We act as a credit broker, not a lender.
Understand your options
What is the Warm Homes Loan Scheme?
WHLS is a government-backed lending scheme designed to help with the upfront cost of eligible home energy upgrades. The money is borrowed from a participating lender and must be repaid. It is not a grant or a promise of free installation.
The government supports the cost of lending. Your actual rate, repayment term, monthly payment and total amount repayable depend on the lender and product offered. We will explain the available terms before you decide.
Battery storage
Store electricity for use later. Suitability and savings depend on your usage, tariff and system design.
Explore battery storage →Heat pumps
Explore eligible low-carbon heating, with a survey to assess the right system for your home.
Explore heat pumps →Who can explore the scheme?
- You must own a residential property in the UK, with or without a mortgage.
- Your improvement must meet the scheme rules and the lender’s criteria.
- The lender carries out its own credit and affordability assessment.
- Eligible installations normally require an MCS-certified installer; check the rules for your technology.
The scheme is not restricted to households receiving benefits. Working households who are outside grant eligibility can explore it too, subject to the same lender checks.
Check grants before borrowing.
If you may qualify for grant support, explore it first. Combining support depends on the relevant scheme rules. We can help you identify the right questions to ask before committing to finance.
HEAT PUMP SUPPORT · ENGLAND AND WALES
Thinking about a heat pump?
£7,500 BUS grant
For eligible air-to-water or ground source heat pump installations under the Boiler Upgrade Scheme.
£9,000 for qualifying homes
A temporary uplift for eligible homes heated by oil or LPG that have no mains gas connection. Available until 31 March 2027, subject to scheme conditions.
BUS eligibility is not based on receiving benefits. Property, existing heating and installation requirements apply. This is heat-pump support, not a grant for solar panels or batteries.
Explore grants alongside finance
The government’s WHLS launch factsheet says loans may be combined with BUS grants. Before you commit, we will confirm the permitted funding arrangement with the provider, including which costs can be financed after any grant. Full cost coverage is not guaranteed.
Any financed amount is repayable, with interest where applicable. Your quotation and finance offer will show the grant, any deposit, borrowing, repayments and total amount payable.
Check current BUS grant amounts · Check BUS eligibility · Read the WHLS factsheet
From first conversation to installation
Tell us about your home
Use our existing enquiry form or call us. Mention WHLS and the improvement you are considering.Receive a tailored proposal
We assess suitability and explain the equipment, installation costs, expected performance and aftercare.Compare payment options
Cash purchase remains available. Where a WHLS product is available through our providers, we explain the terms. The lender decides whether to approve the application.Agree your installation
Proceed only when the customer contract, any finance conditions and installation arrangements are agreed.
Questions homeowners ask
Is WHLS available now?
The national scheme has launched. Availability varies by participating lender, product and distribution channel. We will confirm whether a WHLS product is available through WorkWork for your proposed installation before an application proceeds.
Does the government approve my loan?
No. You apply to a lender, directly or through an eligible finance channel. The lender assesses the application and sets the terms.
Is finance guaranteed to cover my energy savings?
No. Savings depend on your home, electricity use, tariffs and system performance. Loan repayments remain payable regardless of the savings achieved. We will provide property-specific estimates rather than guarantee a return.
Can I apply as a tenant or landlord?
The applicant must own the property. A tenant should speak to their landlord. Landlords should check product availability and property eligibility with the lender.
Are all WorkWork products eligible?
No. WHLS supports specified technologies and installation conditions. Do not assume that insulation, EV charging or every heating-and-cooling product qualifies. We will check the intended improvement against current scheme and lender requirements.
How does WorkWork arrange finance?
We use Stax, the finance platform from Shermin Finance, with participating lenders. A lender’s participation in WHLS does not automatically mean every product on our panel is WHLS-funded. Your finance documentation will identify the product offered.
Let’s explore what works for your home.
Ask for a free, no-obligation proposal and tell us you are interested in the Warm Homes Loan Scheme.
Request your free proposal →Prefer to talk? 020 8902 7290
WorkWork Energy is a trading name of Work Work Limited, authorised and regulated by the Financial Conduct Authority, FRN 718931. We act as a credit broker, not a lender. Credit is subject to status, affordability checks and lender terms. Government backing of the scheme is not an endorsement of WorkWork.
Information reviewed: 28 October 2026. Scheme and product terms may change. Read the full GOV.UK guidance · See participating lenders.