Grants and Funding for Energy Upgrades

Which grants and loans fit your project

Checked 10 November 2026. We check every scheme on this page each week against gov.uk and the scheme's own pages.

Most grants and loans for heat pumps, insulation and solar PV need an EPC, a SAP calculation or an assessment before any money is paid. We provide those. We don't run the schemes or decide who gets them, but we can tell you which route fits your project and produce the reports it asks for.

Jump to: Heat pump grant · Low-income homes · Warm Homes loans · Solar PV · Landlords · Social housing · Businesses and public buildings · Scotland, Wales and Northern Ireland · Services with no grant

At a glance (status on 10 November 2026)

• Boiler Upgrade Scheme: £7,500 off a heat pump for owners of homes and small business buildings in England and Wales (£9,000 for oil or LPG homes off mains gas, until March 2027). Open.
• Warm Homes: Local Grant: free upgrades through your council for low-income households in privately owned homes with EPC D to G, England. Open, subject to council funding.
• Warm Homes Loan Scheme: low and zero-interest loans for heat pumps, solar and batteries, UK-wide. Open since 27 October 2026.
• 0% VAT on energy-saving materials: no VAT on installed solar panels, batteries, heat pumps and insulation in homes. Until 31 March 2027, then 5%.
• Smart Export Guarantee: paid for the electricity your solar panels export, England, Scotland and Wales. Open.
• Warm Homes: Social Housing Fund: grant for councils and housing associations in England. Wave 3 in delivery to September 2028.
• ECO4: ends 31 December 2026. Great British Insulation Scheme: closed 31 March 2026.

Heat pump grant: Boiler Upgrade Scheme

What you get

• £7,500 off an air source or ground source heat pump.
• £9,000 if the property is off mains gas and the heat pump replaces oil or LPG heating, until March 2027.
• £2,500 off an air-to-air heat pump.
• £5,000 off a biomass boiler, for rural properties off the gas grid only.

Who can get it

Property owners in England and Wales, including landlords, second homes and business buildings. The heat pump must replace fossil fuel heating (gas, oil, LPG or electric). Social housing is not eligible, and nor are new builds still being built by the developer. Self-builds can claim.

How it works

Your MCS-certified installer applies and takes the grant off the price. Since 28 April 2026 the home no longer needs a valid EPC to apply, but if it has one, the installer must give its number.

Where we help

• Building your own home? We model the heat pump in the SAP at design stage, so the SAP, the EPC and the heating design match. SAP calculations from £100+VAT.
• Existing homes: an EPC before and after the work shows what the heat pump does to the rating.

Low-income homes: Warm Homes: Local Grant

Free energy upgrades for low-income households in England, run by local councils.

Who can get it

• The home is privately owned: you own it, or you rent from a private landlord.
• The home has an EPC rated D, E, F or G.
• Household income is usually £36,000 a year or less. Some postcodes, and households on certain benefits, can qualify above that.

What it can pay for

Wall, loft and underfloor insulation, air source heat pumps, smart controls and solar panels. The council surveys the home first. If you rent, your landlord may need to pay for part of the work.

How to apply

Apply on gov.uk. The council usually gets in touch within 10 working days. Funding depends on how much money your council has left. In London, the GLA runs it with the boroughs through Warmer Homes London.

Other low-income schemes

ECO4 ends on 31 December 2026. The Great British Insulation Scheme closed on 31 March 2026.

Where we help

• EPC first. The grant uses your EPC band. If the home has no EPC or the old one doesn't reflect the home now, we provide domestic EPCs.
• PAS 2035. Grant-funded retrofit follows PAS 2035. We provide the PAS 2035 retrofit assessment and coordination, plus U-value and condensation risk checks on the insulation build-ups. See retrofit.

Warm Homes loans

Since 27 October 2026, approved lenders offer low and zero-interest Warm Homes loans to households across the UK. Maximum loan per upgrade:

• Solar panels: £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 certification is available)
• Biomass boiler: £20,000
• Heat network connection: £7,500
• Small wind or hydro system: £20,000

The lender runs its own affordability and credit checks. Installations must be by an MCS-certified installer. You can use a loan with the heat pump grant, but not two government schemes for the same item.

Where we help: an EPC or SAP shows what each upgrade does to the rating before you borrow.

Solar PV

• 0% VAT on installed solar panels and batteries in homes until 31 March 2027. From 1 April 2027 it goes to 5%.
• Smart Export Guarantee: electricity suppliers pay you for the electricity you export. England, Scotland and Wales. You need an MCS-certified installation and a smart meter. Each supplier sets its own rate.
• Warm Homes loans: up to £15,000 for solar and £15,000 for a battery.
• Warm Homes: Local Grant can include solar panels for eligible homes.

Where we help: we size the PV in the SAP (homes), the SBEM (new commercial buildings) or the commercial EPC (existing buildings, for example on the way to EPC B), then introduce you to a trusted MCS-certified installer. We may receive an introduction fee from the installer. See solar PV.

Landlords

This is not a grant, but it drives most landlord upgrades. Privately rented homes in England and Wales must reach EPC C by 1 October 2030, with spending capped at £10,000 per property before an exemption applies. The regulations are expected in 2027.

Funding a landlord can use

• The heat pump grant covers rented homes.
• Warm Homes loans are open to private landlords.
• If your tenant is on a low income, the Warm Homes: Local Grant can cover the home, though you may need to pay part.

Where we help: we produce the EPC and show which upgrades get the home to C, so the money goes where it moves the rating. SAP calculations and EPCs. Commercial landlords: see EPC B upgrade plans.

Social housing

The Warm Homes: Social Housing Fund pays councils and housing associations in England to upgrade social homes below EPC C. Wave 3 is in delivery until 30 September 2028 (its application window closed in November 2024). In London, the Mayor's £58.7m Home Energy Saving Fund (July 2026) is London's share of new government money for social housing retrofit, for boroughs and housing associations.

Where we help: EPCs and SAP calculations before and after the work across many units, and air and ventilation testing afterwards. Several jobs booked together cost less.

Businesses and public buildings

• Heat pump grant: the Boiler Upgrade Scheme also covers small business buildings in England and Wales: £7,500 off a heat pump.
• London finance: the Mayor of London's Energy Efficiency Fund (MEEF) and the Green Finance Fund offer loans for larger low-carbon projects.
• Council grants: some London boroughs run small energy grants for SMEs from time to time, often asking for an energy audit first. Check your council's business pages.
• Public sector: the government has said there will be no new Public Sector Decarbonisation Scheme funding beyond projects already awarded (Phase 4 projects run to 31 March 2028). Great British Energy funds solar on selected schools, colleges, NHS and military sites.

Where we help: an EPC B upgrade plan (from £700+VAT) shows which measures move the rating, the evidence lenders and grant panels usually want. Commercial EPCs before and after the work, and DECs for public buildings.

Scotland, Wales and Northern Ireland

• Scotland: Home Energy Scotland Grant and Loan: up to £7,500 grant for a heat pump, plus an optional £7,500 interest-free loan. There are also grants for insulation.
• Wales: Nest offers free upgrades to eligible low-income households, and Green Homes Wales offers interest-free loans and advice. The Boiler Upgrade Scheme also applies in Wales.
• Northern Ireland: the Boiler Upgrade Scheme doesn't cover Northern Ireland and the NI Boiler Replacement Scheme is closed. Warm Homes loans are open across the UK.

We work across the whole UK, including Northern Ireland, for EPCs, SAP, SBEM and TM44.

Services with no grant

Compliance work for new buildings is a Building Regulations or planning requirement, so there is no grant for it: SAP and SBEM for developers, Part O, TM59, TM52, Part G, energy statements, air, sound and ventilation testing, and TM44. New builds by a developer can't claim the heat pump grant either.

What we can do is keep the cost down: air, sound and ventilation tests cost less booked together, and U-values, PSI values and condensation risk are priced together with the SAP or SBEM.

Questions we get asked

Do I need an EPC for the heat pump grant?

Not since 28 April 2026. If the home already has one, the installer has to give its number. The Warm Homes: Local Grant does use the EPC band (D to G), so it's worth checking yours.

Can I get a grant for a new build?

New homes built by a developer can't claim the Boiler Upgrade Scheme. Self-builds can, and we model the heat pump in the SAP from the start.

Can I use a grant and a Warm Homes loan together?

Yes. For example, the heat pump grant plus a loan for the rest of the cost. You can't use two government schemes to pay for the same item.

Do you apply for the grant for me?

No. The installer applies for the heat pump grant, the council runs the Warm Homes: Local Grant and the lender handles the loan. We provide the EPCs, calculations and reports they ask for.

Sources (checked 10 November 2026)

• Boiler Upgrade Scheme: what you can get (gov.uk) and eligibility (gov.uk)
• Boiler Upgrade Scheme installer guidance v5, EPC change from 28 April 2026 (Ofgem)
• Apply for the Warm Homes: Local Grant (gov.uk)
• Warm Homes Loan Scheme (gov.uk) and factsheet, 27 October 2026 (gov.uk)
• Extending the ECO4 end date: government response (gov.uk)
• VAT Notice 708/6: energy-saving materials (gov.uk)
• Smart Export Guarantee (gov.uk)
• Improving the energy performance of privately rented homes: government response (gov.uk)
• Warm Homes: Social Housing Fund Wave 3 (gov.uk)
• Mayor of London Home Energy Saving Fund (london.gov.uk)
• Mayor of London Energy Efficiency Fund (london.gov.uk)
• Public Sector Decarbonisation Scheme update (Salix)
• Great British Energy Solar Partnership (gov.uk)
• Home Energy Scotland Grant and Loan (gov.scot)
• Financial support to improve your home (gov.wales)

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