Warm Homes loans are here. Start with a whole-home plan.

A new way to fund your home’s energy improvements

The Warm Homes Loan Scheme is available through participating lenders. It gives UK homeowners access to loans through participating lenders for eligible improvements such as solar panels, battery storage and heat pumps.

That could bring an upgrade within reach. Start by asking what would make the biggest difference to your home and how it would fit with any changes you might make later.

Plan the whole home. Upgrade in stages.

At Pretium, we’ve always advocated planning the whole home, then making changes in the order that suits your needs, your property and your budget.

• Thinking about solar? Consider how a battery could fit if you want to add one later.
• Planning a heat pump? Start with how much heat your home needs before choosing equipment.
• Moving to an electric car? Plan charging around the rest of your home’s electricity use.

A whole-home plan helps you decide what makes sense now, what should come next and what can wait.

Make the finance fit the plan

Participating lenders provide the loans, assess applications and set their own interest rates, repayment terms and eligibility requirements. Before committing, look at the installation cost, any grants you qualify for, expected running costs, monthly repayments and the total amount repayable. Make sure the repayments fit your budget even if energy savings are lower than you expect.

Let’s plan your next step

Tell us what you’re considering. Whether it’s solar, a battery, heating, EV charging or a combination, we’ll help you identify a sensible starting point.

Participating lenders are listed on GOV.UK. Pretium helps plan and price installation work. Loans are provided by participating lenders, which assess applications and set eligibility, rates and repayment terms. Check the lender’s terms before applying.