Warm Homes Plan: grants and loans
Three government schemes can help pay for insulation, heat pumps and solar panels now. Answer four questions to see which are worth checking for your home.
Every fact here is from GOV.UK, checked 13 November 2026. The schemes themselves decide who can get them.
Result
Three schemes are worth checking for this home.
Warm Homes: Local Grant
Free insulation, heat pumps, smart controls or solar panels, arranged and paid for by your council, for lower-income homes in England.
Household income usually needs to be £36,000 a year or less, with exceptions for some postcode areas and benefits.
Your home's energy rating (EPC) needs to be D, E, F or G. You can find it when you apply.
Boiler Upgrade Scheme
A grant of £7,500 towards an air or ground source heat pump, £2,500 towards an air-to-air heat pump, or £5,000 towards a biomass boiler. Your installer applies for it.
Warm Homes Loan Scheme
Government-backed loans for heat pumps, solar panels, batteries and other upgrades, with interest up to 5 percentage points lower than regular loans. Some are interest free.
It is a loan you pay back, not a grant. Each lender sets its own terms and runs its own checks.
This is a guide to where to look, not a decision. Each scheme checks your home and your situation when you apply.
What the Warm Homes Plan is
The Warm Homes Plan is the government's plan, published in January 2026, to cut energy bills and upgrade homes. The help you can apply for today comes through the three schemes below.
Warm Homes: Local Grant
For homes in England. GOV.UK says that where a home meets the conditions and the council has funding, the council arranges a survey, then organises and pays for the work it agrees with you. It might include wall, loft or underfloor insulation, an air source heat pump, smart controls or solar panels.
GOV.UK says the home must be privately owned, by you or a landlord, and have an energy rating (EPC) of D, E, F or G. Household income must usually be £36,000 a year or less, though some households above that can still get it because of where they live or the benefits someone receives.
Check and apply for the Warm Homes: Local Grant on GOV.UK
Boiler Upgrade Scheme
A grant towards replacing gas, oil, LPG or electric heating with a heat pump or biomass boiler, for homes in England and Wales. You must own the property, which includes landlords.
| Replacing your heating with | Grant |
|---|---|
| An air source heat pump | £7,500 |
| A ground source heat pump | £7,500 |
| A biomass boiler | £5,000 |
| An air-to-air heat pump | £2,500 |
Until March 2027 there is an extra £1,500 towards an air or ground source heat pump if your home is heated by oil or LPG and has no mains gas connection. You cannot get the grant for a hybrid system, most new builds, social housing, or to replace heating that is already low carbon.
Read the Boiler Upgrade Scheme rules on GOV.UK
Warm Homes Loan Scheme
Loans from banks and other lenders, backed by the government, for homes anywhere in the UK. GOV.UK says interest is up to 5 percentage points lower than a regular loan, and some loans are interest free. It is a loan, so you pay it back. Each lender sets its own terms and checks.
| For | Up to |
|---|---|
| Solar panels | £15,000 |
| Electrical storage battery | £15,000 |
| Air-water source heat pump | £20,000 |
| Air-air source heat pump * | £10,000 |
| Ground source heat pump | £35,000 |
| Biomass boiler | £20,000 |
| Heat network connection | £7,500 |
| Micro-renewable system | £20,000 |
* When MCS certification is available for air-air heat pumps.
You can use a loan alongside the Boiler Upgrade Scheme, but not two government schemes to pay for the same improvement.
Read about the Warm Homes Loan Scheme on GOV.UK, which lists the lenders taking part.
What this page cannot do
We cannot tell you whether you will get a grant or a loan. The council, the scheme or the lender decides when you apply. We do not arrange loans, and no lender pays us. See how we make money.
Sources: GOV.UK: Apply for the Warm Homes: Local Grant; GOV.UK: Apply for the Boiler Upgrade Scheme, what you can get; GOV.UK: Boiler Upgrade Scheme eligibility; GOV.UK: Warm Homes Loan Scheme factsheet; GOV.UK: Warm Homes Loan Scheme.