New UK Government scheme · October 2026
Government-backed solar finance
Up to£15,000
0% and low-interest loan options available.
The UK Government's new Warm Homes Loan Scheme is helping qualifying homeowners spread the cost of solar panel installation.
Find out whether your property could meet the initial scheme criteria.
- Government-backed schemeLower rates funded by a government grant to lenders
- Available across the UKEngland, Scotland, Wales and Northern Ireland
- No scheme-wide minimum incomeLenders still run their own checks
Check my eligibility
Free initial property check. No obligation.
Loans are subject to participating lender criteria, credit checks and affordability assessment. 0% rates are available only on certain products. Loans must be repaid.
Solar panels
£15,000
max scheme loan
Free property check
Step 1 of 5
- No credit check to start
- Takes about one minute
- MCS-certified installs required
- Free, no-obligation survey
Solar on UK homes
What a modern solar panel installation looks like
Low-profile, all-black panels sized to the roof and the household's electricity use. Scheme finance can spread the cost of a full system, fitted by an MCS-certified installer.
Carbon reduction · Commercial energy · Training
Energy Upgrades for Homes and Businesses, and Carbon Survey Training
Understand energy use. Reduce emissions. Turn the right opportunities into action.
Energy Bee combines carbon and meter surveys with customer management, commercial energy opportunities, funding pathways, low-carbon solutions, training and partner delivery from one connected platform.
For businesses, homeowners, learners, staff, franchise partners, white-label operators and licence holders.
For homes and businesses
Energy Upgrades for Homes and Businesses
Solar, storage, heating and charging, surveyed and installed by our own teams across the North East.
For homes
Air Source Heat Pump Installation in the North East
An air source heat pump takes warmth from the outside air and uses it to heat your radiators, underfloor heating and hot water. It suits homes currently heated by gas, oil, LPG or electric heating that are ready to move to a low carbon heat source.
- Much lower carbon emissions than heating with gas
- Full survey, heat loss design and installation by our own team
Funding can reduce what you pay towards a heat pump. See energy grants and funding.
Free, no obligation survey.
For homes and businesses
Home and Workplace EV Charger Installation
We install smart electric vehicle charge points at home and at work. A smart charger lets you set when the car charges, so you can use the cheapest hours of your tariff.
- Charge overnight on cheaper off peak tariffs
- Pairs with solar panels so the car can use your own generation
- Workplace and customer charge points for businesses
Some households and businesses can still access charge point funding. Check EV charger grants and funding.
Free, no obligation survey.
For businesses
Commercial Solar Panels for Businesses
Commercial solar cuts the electricity a site buys during its working day. It suits warehouses, offices, factories, farms and retail units with roof space or land that is otherwise doing nothing.
- Reduce business electricity costs across the working day
- Add battery storage to hold generation the site does not use immediately
- Helps landlords with MEES compliance on let commercial property
- Installed in phases to keep disruption to operations low
Business energy funding and finance routes may apply to a commercial project. See business energy funding.
Free, no obligation survey.
For homes
Solar Panels and Battery Storage for Your Home
Solar panels generate electricity while it is light, and a battery stores what you do not use straight away. Together they cover more of your evening usage from your own roof rather than the grid.
- Use more of the power you generate instead of exporting it
- Store daytime generation for the evening peak
- Earn from what you do export through the Smart Export Guarantee
Grants, export payments and funding can all change what a system costs you. See solar panel grants and funding.
Already have solar? Add a battery.
Free, no obligation survey.
Not Sure Which Upgrade Is Right for Your Home or Business?
Answer 3 quick questions and we will point you to the right option.
Warm Homes Loan Scheme explained
How government-backed solar panel loans work
Announced on 27 October 2026, the Warm Homes Loan Scheme pays participating lenders a grant so they can offer interest-free and reduced-rate loans for home energy upgrades. Solar panels can be financed up to £15,000, with repayments spread over the loan term.
- Maximum loan for solar panels
- £15,000
- Rate reduction on qualifying loans
- Up to 5%
- Interest-free on selected products
- 0%
- England, Scotland, Wales, NI
- 4 nations
From enquiry to installation
- 1
Check your property
Tell us the postcode and a few simple details. It takes about a minute and there is no credit check.
- 2
Free solar assessment
We review the roof, orientation and usage, then design a system and give you a written quote.
- 3
Compare finance options
You compare loans from participating lenders using your quote. The lender assesses any application.
- 4
MCS-certified installation
Scheme loans need an MCS-certified product and installer. You keep the quote, invoice and MCS certificate.
Spread the cost
Solar panels now, paid monthly with a government-backed loan
Who the scheme is for
- Owner-occupiers who live in the property
- Private residential landlords, one loan per property they own
- Homes in England, Scotland, Wales and Northern Ireland
- No scheme-wide income limit; lenders run their own checks
What you need to know
- Solar panels and the installer must be MCS-certified
- Rates, terms and availability are set by each participating lender
- Government support does not cover insulation, windows, doors or roof repairs
- Scheme funding is limited and allocated first come, first served
Solar finance questions
Energy Bee is not a lender or credit broker and does not arrange finance. Lenders make all credit and affordability decisions.
Read the official GOV.UK factsheetRead the full Warm Homes Loan solar finance guideCheck my eligibilityWhat is the Warm Homes Loan Scheme?
It is a UK Government scheme announced on 27 October 2026 that funds participating lenders to offer interest-free and reduced-rate loans for home energy upgrades, including solar panels. It covers England, Scotland, Wales and Northern Ireland.
How much can I borrow for solar panels?
Solar panel loans under the scheme can be up to £15,000. Battery storage has its own limit of up to £15,000. The amount you are offered depends on the lender, your quote and their affordability checks.
Are the loans really 0% interest?
Some participating lenders offer interest-free products. Others offer low-interest loans, with the government grant reducing the rate by up to 5 percentage points. Rates and terms are set by each lender and loans must be repaid.
Is there an income limit?
There is no scheme-wide income threshold. Each lender still carries out its own credit, affordability and eligibility checks before agreeing a loan.
Can landlords apply?
Yes. The scheme is designed for owner-occupiers and private residential landlords. Tenants cannot borrow against a property they do not own, but can ask the landlord to look into it.
Does the installer need to be MCS-certified?
Yes. For solar panels the products and the installer must be MCS-certified. Keep your quote, finance agreement, invoice and MCS certificate.
For professionals
Carbon Survey Training and Business Platform
Train to deliver structured carbon surveys, then run the whole customer operation from one platform.
Business platform
Carbon and meter surveys, customers, diaries, communications and reports in one place.
Carbon
survey and reduction pathway
Energy
commercial opportunity workflow
Funding
eligibility and partner routing
Academy
training and progression
From evidence to action
A joined-up carbon and energy customer journey
The same customer record can support survey evidence, carbon reduction planning, commercial energy renewal, solar or low-carbon opportunities and suitable funding routes without repeatedly rebuilding the file.
01
Understand the property and energy use
Build the customer record, capture bills, meters, EPC evidence and the information needed for a reliable carbon and energy baseline.
02
Complete the structured survey
Work through a consistent survey process, capture supporting evidence and make missing or conflicting information visible before handover.
03
Identify reduction opportunities
Turn the evidence into practical next steps across efficiency, commercial energy, solar, low-carbon technology and suitable funding pathways.
04
Manage delivery from one platform
Keep customers, appointments, communications, reports, partner handovers and follow-up connected instead of spreading work across disconnected systems.
The operating platform
Keep the important work connected
Customers, survey evidence, appointments, communications, reports and handovers stay inside one controlled operating environment.
Carbon surveys
Structured survey capture, evidence, verification and progress tracking.
Commercial energy
Customer contract, meter and renewal opportunities ready for approved supplier workflows.
Funding pathways
Eligibility screening, evidence capture and controlled referral to active delivery routes.
Customer management
Full customer profiles, appointments, evidence, ownership and follow-up.
Reports & documents
Letters, branded email attachments, PDFs, certificates and management reporting.
Solar & low-carbon opportunities
Survey intake and handover for solar, battery, EV and approved installation routes.
Access is controlled by organisation, role and licence. Internal operational tools are not promoted publicly unless they are part of the customer-facing proposition.
One platform, several routes
Learn, operate, partner or build a franchise
Energy Bee remains the central platform operator while each approved organisation receives the branding, users, customer separation and feature set agreed for its route.
Franchise and white-label businesses are managed from a central super-admin layer with organisation-specific licences and audit controls.
Franchise
A complete operating route for approved partners using training, the white-label platform and agreed supplier and delivery pathways.
White label
Organisation-level branding, users, customer records and feature access managed centrally.
Licence
Controlled platform access for teams that need selected survey, training and business tools.
Staff & learners
Role-based access for managers, surveyors, trainers, learners and support teams.
Energy Bee Academy