Solar panel finance UK 2026
Solar panels on finance with the Warm Homes Loan Scheme
The Warm Homes Loan Scheme is the UK Government's new route to interest-free and low-interest solar panel loans. Announced by the Department for Energy Security and Net Zero on 27 October 2026, it lets homeowners and private landlords borrow up to £15,000 for solar panels and a further £15,000 for battery storage from participating lenders.
The government pays lenders a grant of up to 20% of the loan, which reduces the interest rate by up to five percentage points (never below 0%). On loans of three years or more, that can turn a standard solar panel loan into a 0% solar panel finance deal on selected products, or a noticeably cheaper one.
Energy Bee helps you start with the property: is the roof suitable, how big should the system be, and what will it cost. You then compare government-backed solar loans and apply to the lender you choose.
Solar PV loan limit
£15,000
plus up to £15,000 for a home battery
Warm Homes Loan limits by technology
Each upgrade has its own maximum loan. Solar PV and battery storage are both capped at £15,000, so a combined solar and battery system can be financed through the scheme. All installations except heat network connections must use MCS-certified products and installers.
Government example: a £10,000 loan at 8% over seven years costs about £155 a month on a standard loan. Under the scheme, repayments could be up to £285 a year lower.
| Upgrade | Maximum loan |
|---|---|
| Solar panels (solar PV) | £15,000 |
| Battery storage | £15,000 |
| Air to water heat pump | £20,000 |
| Ground source heat pump | £35,000 |
| Air to air heat pump | £10,000 (once MCS standards are in place) |
| Biomass boiler | £20,000 |
| Micro-renewables | £20,000 |
| Heat network connection | £7,500 |
How to get government-backed solar panel finance
- 1
Check your property
Use the free Energy Bee property check: postcode, ownership and a few details. No credit check.
- 2
Get a solar survey and quote
We assess the roof, shading and electricity use, then give you a written quote for an MCS-certified system.
- 3
Compare scheme loans
Compare participating lenders on total repayable, term and fees. Some lenders work only with partner installers.
- 4
Apply to a lender
The lender runs its own credit and affordability checks and makes the decision.
- 5
Install and keep your records
Keep the quote, finance agreement, invoice and MCS certificate. The lender's grant is paid after MCS verification.
Participating lenders
The first ten Warm Homes Loan lenders
The government named these lenders when the scheme launched, and expects more to join. Energy Bee is not a lender, broker or agent for any of them; we quote the solar installation and you choose the finance.
- HomeServe (with E.ON)
- HTG Finance
- Propensio
- Secure Trust Bank
- Selina Finance
- South Manchester Credit Union
- Sunsave
- Tandem Bank (with British Gas)
- The Money Co-op
- thisbank
Why homeowners are financing solar panels now
Spread the cost. Pay for solar panels monthly instead of upfront, with interest-free or reduced-rate loans on qualifying products.
Use your own electricity. Panels generate during the day; a battery stores it for the evening, so you buy less from the grid.
Bigger savings with the full set. The government estimates a heat pump, battery and solar panels together could save families up to £550 a year on energy bills.
Landlords included. Private residential landlords can take a scheme loan for each property they own.
Solar finance across the UK
The scheme covers England, Scotland, Wales and Northern Ireland. Energy Bee surveys and installs across the North East, including Newcastle upon Tyne, Gateshead, Sunderland, South Shields, North Tyneside, Durham, Northumberland, Teesside.
