What is the Warm Homes Plan?

On the 21st of January 2026, the UK Government launched the Warm Homes Plan. This strategic green initiative is the country's commitment to improving the standard of living for millions of families by 2030, while supporting our goals for net-zero.

It aims to achieve this by:

• Upgrading 5 million homes.

• Lifting one million families out of fuel poverty.

• Implementing new protections for families who live in rented accommodation

• Reducing the country's reliance on natural gas

• Tripling the number of UK homes with rooftop solar panels.

And it aims to do this through the following initiatives:

• Increasing funding and grants for green technologies.

• Streamlining planning regulations

• Encouraging innovation within Britain's clean energy market to help lower the cost of green technologies.

• Introducing manufacturer incentives through mechanisms like the Clean Heat Market Mechanism.

How is BOXT supporting the Warm Homes Plan?

As part of the Warm Homes Plan, the Government launched the Warm Homes Loan Scheme on the 28th October 2026 to help achieve these ambitious clean energy goals.

Under the Warm Homes Loan Scheme, the Government has partnered with trusted lenders to make finance options more accessible. We’re pleased to share that our finance provider, HomeServe Finance Limited, has been appointed as a lender for the Warm Homes Loans Scheme. This allows us to offer a range of finance options, including 0% interest over 3 or 4 years. Or, spread the cost of renewable energy products over up to 15 years with our reduced interest rates.

Explore our low monthly payment options across our range of renewable energy products. These products are part-funded by the UK Government (Warm Homes Loan Scheme).

Product	BOXT's 0% finance packages*
Solar & battery package installation	Available from £119 a month with 0% interest.
Solar only installation	Available from £89 a month with 0% interest.
Battery only installation	Available from £59 a month with 0% interest.
Heat pumps installation	Available from £79 a month with 0% interest.

*Representative examples

Solar & battery packages available from £119 a month with 0% interest:

Price based on the installation of 8 solar panels and a SunSynk Elite 5.1kW. Price correct as of October 2026. A representative example for 48 months order: £7,073 purchase. Deposit £1,360.85. Annual rate of interest 0% p.a.Representative APR: 0% APR. 48 monthly payments of £119.00 at 0% p.a. Total amount payable £7,073. 

Solar panels only, available from £89 a month with 0% interest.

Price based on the installation of 8 solar panels. Price correct as of October 2026. A representative example for 48 months order: £5,199 purchase. Deposit £926.98. Annual rate of interest 0% p.a.Representative APR: 0% APR. 48 monthly payments of £89.00 at 0% p.a. Total amount payable £5,199. 

Battery only, available from £59 a month with 0% interest.

Price based on the installation of SunSynk Elite 5.1kW. Price correct as of October 2026. A representative example for 48 months order: £3,420 purchase. Deposit £587.90. Annual rate of interest 0% p.a.Representative APR: 0% APR. 48 monthly payments of £59.00 at 0% p.a. Total amount payable £3,420.

Heat pumps available from £79 a month with 0% interest.

Price based on the installation of Worcester Bosch Compress 2000 6kW. Price correct as of October 2026. A representative example for 48 months order: £4,799 purchase. Deposit £1,006.83. Annual rate of interest 0% p.a.Representative APR: 0% APR. 48 monthly payments of £79.00 at 0% p.a. Total amount payable £4,799. 

BOXT Limited (FRN 771161) acts as a credit broker and is not a lender. Any credit is subject to status, affordability and a credit check. Finance is offered through HomeServe Finance Limited (FRN 994955) and in some cases we also lend with Propensio Finance Limited (FRN 806409). This product is part-funded by the UK Government (Warm Homes Loan Scheme).

How much money is available for the Warm Homes Plan?

Overall, £15 billion of public money has been made available for the Warm Homes Plan budget.

• This has been split into the following categories:
• £5 billion for low-income schemes
• £2 billion for consumer loans
• £2.7 billion for the Boiler Upgrade Scheme (BUS
• £1.1 billion for Heat Networks
• £2.7 billion innovative finance through the Warm Homes Fund
• £1.5 billion for other funding for Warm Homes Plan Programmes and Devolved Administrations

Please note, these figures were sourced from https://www.gov.uk/government/publications/warm-homes-plan/warm-homes-plan-html (October, 2026)

Who is eligible for the Warm Homes Plan?

The Warm Home Plan aims to help everyone, particularly fuel-poor households, throughout England. It aims to offer different levels of support for the following groups of people, focussing greatly on those with an Energy Performance Certificate (EPC) rating of D, E, F, or G.** 

Upgrades for lower-income families

Lower-income households who earn under than £36,000 could receive free home upgrades, such as a fully funded solar and home battery storage system worth up to £12,000 by applying to their local council. While social housing residents could see entire street upgrades.

New protections for renters

Landlords will be tasked with ensuring their rented accommodation achieves new minimum energy efficiency standards by 2030, making all properties safe, warm and affordable, in line with new government standards.

New offers for everyone

The government will make zero- and low-interest loans for green initiatives available to everyone, regardless of income. It also plans to expand its heat pump offering to include air-to-air models.

How much can I borrow under the Warm Homes Loan Scheme and can I use it with other grants?

Under the Warm Homes Loan Scheme, each technology has a maximum loan amount — for example, £15,000 for solar or a battery if purchased separately or £30,000 if purchased together, and £20,000 for heat pumps (including the Boiler Upgrade Scheme (BUS) grant). Please note, the usual affordability and credit checks apply.

You can use this scheme alongside the BUS grant or Home Energy Scotland grant for a heat pump (the loan covers the cost above the grant), but additional government grants. which may include local government/local initiatives, should not be used in conjunction with the discounted loan.

Which products are available under the Warm Homes Loan Scheme?

Thanks to the Warm Homes Loan Scheme, you can choose from a wide range of energy efficiency products to help upgrade your home. This includes:

1. Solar and battery storage

This product is part-funded by the UK Government (Warm Homes Loan Scheme). 

£2 billion has been made available as low-interest loans for households looking to install solar PV (photovoltaic) and thermal panels, as well as home storage batteries that can store unused electricity for later use.

Finance option with APR	Term length
0%	3, 4 years
4.6%	5, 7, 10 years
5.3	12 years
6%	15 years

Finance available subject to status, affordability and a credit check. Terms and conditions apply. BOXT Limited (FRN 771161) acts as a credit broker and is not a lender.

2. Heat pumps

This product is part-funded by the UK Government (Warm Homes Loan Scheme). 

By merging the Boiler Upgrade Scheme with the Warm Homes Loan Scheme, families can continue to benefit from grants toward the cost of installing a heat pump. BOXT’s expert engineers currently install air-source heat pumps, but not ground-source heat pumps.

Finance option with APR	Term length
0%	3, 4 years
4.6%	5, 7, 10 years
5.3	12 years
6%	15 years

Finance available subject to status, affordability and a credit check. Terms and conditions apply. BOXT Limited (FRN 771161) acts as a credit broker and is not a lender.

3. Insulation

To help homes reach a minimum EPC rating of C, the Warm Homes Loan Scheme can provide loft, floor, cavity wall, and external wall insulation, as well as high-quality draught proofing. Please note, home insulation is not available to be installed by BOXT.

4. Smart controls

By integrating smart controls, such as thermostats and timers, with energy efficient heat pumps, solar panels, and battery storage, homeowners can optimise energy use and reduce bills.

5. Storage batteries

This product is part-funded by the UK Government (Warm Homes Loan Scheme). 

With home battery storage systems, homeowners can recharge them using a low-cost off-peak tariff and utilise the energy during peak times. They can also be paired with solar panels to store unused solar energy.

Finance option with APR	Term length
0%	3, 4 years
4.6%	5, 7, 10 years
5.3	12 years
6%	15 years

Finance available subject to status, affordability and a credit check. Terms and conditions apply. BOXT Limited (FRN 771161) acts as a credit broker and is not a lender.

Is the Warm Homes Plan related to any other schemes?

The Warm Homes Scheme serves as a central framework for several new and existing energy-efficiency schemes. To better deliver on its goals, the government will establish the Warm Homes Agency (WHA), a new single body that will oversee all energy upgrade schemes across the UK in early 2027. This will include, but may not be limited to:

• Great British Insulation Scheme (GBIS) & ECO4: The Warm Homes Plan will support these existing supplier-led schemes until they end in 2026, and then replace them.

• Boiler Upgrade Scheme (BUS): This will merge with the Warm Homes Plan and will continue to provide heat pump grants of up to £7,500 as well as air-to-air heat pump grants of up to £2,500.

• Warm Homes: Local Grant (WHLG): This forms part of the £5 billion package of energy-efficient upgrades for low-income, fuel-poor households and social renters.

• Warm Homes Fund (WHF): This forms part of the new £5 billion fund that will provide low- or zero-interest loans for homeowners.

• Warm Home Discount Scheme: The Warm Homes Plan will continue to provide £150 rebates on electricity bills for low-income households.

• National Wealth Fund: Forming part of the government's overall strategy, the Warm Homes Plan will provide investment for low-carbon housing and infrastructure.

• Future Homes Standard: Part of the government's overall strategy, this new standard will ensure newly built homes are highly energy-efficient and feature low-carbon heating and solar panels.

Interested in applying for a Warm Homes Loan?

If you are a homeowner, occupier or landlord, you can apply for a Warm Homes Loan with BOXT by:

• Visiting our website and getting a personalised quote for a qualifying green technology, like a heat pump, solar panel system or storage battery.
• Applying for a discounted Government-backed Warm Homes Loan.
• Passing our affordability and credit checks.
• Having your equipment installed.

If you have any questions, our friendly sales team is here to help seven days a week over live chat or by calling 0800 193 7777.

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**Source:  https://www.gov.uk/government/publications/warm-homes-local-grant 

*** Source: https://energysavingtrust.org.uk/the-warm-homes-plan-what-local-authorities-need-to-know/ 

Correct as of October, 2026.