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Don’t guess your home energy costs. Get the honest data.

Independent guides to heat pumps, solar panels, batteries and the grants and loans that help pay for them. Every figure links to its source. We never ask for your phone number, so nobody can ring you.

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What could you claim?

Three questions. It runs in your browser, and nothing you choose is sent anywhere.

Air-to-water is the usual kind. It runs your radiators and hot water.
  • Boiler Upgrade Scheme grant£7,500Your installer applies for it and takes it off the quote. No income test, and no EPC needed. Source: GOV.UK grant values, Ofgem.
  • Warm Homes loanup to£20,000A loan, not a grant. 10 lenders offer rates up to 5 percentage points below their usual, and some deals are 0%. You must own the home, and the lender runs its own checks. Source: GOV.UK guide, GOV.UK factsheet.
  • VAT on the installation0%Until 31 March 2027, then 5%. Source: GOV.UK VAT Notice 708/6.
  • Warm Homes: Local GrantIf your household income is £36,000 or less and the home has an EPC of D to G, your council may fund upgrades outright: up to £15,000 for insulation and solar, plus up to £15,000 for low-carbon heating. Source: GOV.UK.

Figures checked on 13 November 2026. This is a guide, not a decision: each scheme's administrator has the final say.

What’s on offer right now

Five ways the cost of a home energy upgrade comes down. Two of them have a date on them.

SchemeWhat it paysWho it’s forOpen until
Boiler Upgrade Scheme£7,500 off an air-to-water or ground source heat pump. £9,000 if the home is off the gas grid and you’re replacing oil or LPG. £2,500 off an air-to-air system.Source: GOV.UK grant values, OfgemProperty owners in England and Wales. No income test.£9,000 rate: 31 March 2027137 days left
Warm Homes loansBorrow up to £20,000 for an air-to-water heat pump, £15,000 for solar panels and £15,000 for a battery, at up to 5 percentage points below the lender’s usual rate. Some deals are 0%.Source: GOV.UK guide, GOV.UK factsheetAnyone who owns a home in the UK, subject to the lender’s checks.Open since 27 October 2026
Warm Homes: Local GrantUpgrades arranged and paid for by your council: up to £15,000 for insulation and solar, plus up to £15,000 for low-carbon heating.Source: GOV.UKEngland. Household income usually £36,000 or less, in a privately owned home with an EPC of D to G.While your council has funding
0% VATNo VAT on having a heat pump, solar panels or a battery installed. From 1 April 2027 it is 5%.Source: GOV.UK VAT Notice 708/6Everyone. Your installer applies it; there is no form.31 March 2027137 days left
ECO4Insulation and heating upgrades paid for by energy suppliers. It is closing and nothing replaces it.Source: GOV.UKLower-income households on qualifying benefits.31 December 202647 days left

Figures checked on 13 November 2026. A heat pump grant and a Warm Homes loan can be used together, and 0% VAT applies on top of both.

How this site works

What you get

  • Figures you can checkEvery grant amount and deadline links to GOV.UK or Ofgem and shows the date we last checked it.
  • A straight answer, including “don’t buy yet”If a heat pump or solar panels won’t suit your home as it stands, the guide says so and says what to fix first.
  • The whole system, not one productHow a heat pump, solar panels and a battery change each other’s sums when you run them together.

What you won’t get

  • Sales callsWe never ask for your phone number or your email to show you a figure.
  • Your details passed onThe claim check runs in your browser. Nothing you choose leaves it.
  • Hidden commissionSome links may pay us if you buy. They are marked, and they never decide what we recommend.

Start with your question

Grants and loansThe Boiler Upgrade Scheme, Warm Homes loans, the Local Grant and 0% VAT: what each one pays and who qualifies.1 guideHeat pumpsRunning costs against a gas boiler, what your home needs first, and when it makes sense to wait.First guides in progressSolar and batteriesWhat panels and storage cost, what export tariffs pay, and how long the payback takes.First guides in progressThe bundleA heat pump, solar panels and a battery as one system: what they cost together and what they save together.First guides in progress
Latest guide

The Warm Homes Plan explained: what UK homeowners can actually claim in 2026

A plain-English guide to the Warm Homes Plan: the Local Grant, the £7,500 and £9,000 heat pump grants, Warm Homes loans, 0% VAT and the ECO4 deadline.

Read the guideUpdated 13 November 2026. A 14 minute read.

Coming next

  • ECO4 closes on 31 December: what to do before then
  • Warm Homes loans compared: what the ten lenders charge
  • The £9,000 heat pump grant for oil and LPG homes

Who writes this

WarmHomeAdvisor is written and edited by Jean-Pierre. No installer, lender or energy company owns any part of it or sees a guide before it’s published.

About the site

How it’s paid for

The guides are free. Where a link earns us a commission, it’s marked, and the page that lists every commercial relationship is one click away.

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