Warm Homes Loan Scheme

Solar & Battery Finance in Essex at Just 4.6%

Make solar panels and battery storage more affordable with the government-subsidised Warm Homes Loan Scheme.

Stag Solar Solutions can arrange your finance alongside your installation, providing a simple, end-to-end service with no need to apply separately elsewhere.

Finance is a loan, not a grant. Eligibility and terms depend on the lender.

      

Bungalow with solar panels on roof.

Affordable Solar & Battery Finance at 4.6%

Spread the cost of your solar panels and battery storage over 10 years with affordable monthly repayments. Stag Solar Solutions can help arrange your finance as part of our complete installation service.

Borrow

£10,000

£105/month 

over 120 months

Borrow

£15,000

£157/month

over 120 months

Borrow

£20,000

£209/month

over 120 months

Illustrative monthly repayments based on a 4.6% annual interest rate over 120 months, with no additional fees. Finance subject to eligibility and approval.

The scheme supports qualifying low-carbon home improvements through approved lenders. Eligible solar panels and battery storage can each receive a loan contribution of up to £15,000. Both technologies may be included within a single eligible installation contract, subject to the rules and individual caps

All-black solar panels installed on a traditional British house with a natural slate roof.

What Is the Warm Homes Loan Scheme?

The Warm Homes Loan Scheme is designed to help homeowners make energy-saving improvements more affordable, including solar panels and home battery storage.

With access to finance at 4.6%, eligible homeowners can spread the cost of their installation over manageable monthly repayments.

Stag Solar Solutions makes the process simple. We can help you choose the right system, arrange your finance and complete the installation — all through one company, without needing to apply separately to a lender.

Which Home Energy Upgrade Are You Considering?

Select the solution that best suits your property, energy use and longer-term goals. Stag Solar can assess your requirements and provide a tailored installation proposal.
Solar panels on a modern bungalow.

Solar PV

Generate electricity from your roof and reduce how much you need to buy from the grid.

Solar battery inside utility room.

Home Battery Storage

Store electricity for later use and make more of the energy available to your home.

Solar panels on roof of moder bungalow with solar battery on wall.

Solar + Battery

Combine generation and storage in one considered home-energy design.

Who Could Be Eligible for a Warm Homes Loan?

You may be able to apply if you own a residential property in the UK and are planning eligible home-energy improvements. The scheme can support homeowners and qualifying private landlords. Work will generally need to be completed by an MCS-certified installer. Participating lenders carry out their own credit, affordability and eligibility assessments before deciding whether to offer finance.

Not sure if you’re eligible?

Our team can guide you through the requirements and help you understand your finance options as part of your solar or battery installation enquiry.

For further information about the scheme, including official eligibility criteria, visit the UK Government Warm Homes Loan Scheme page.

WHLS is not for commercial properties; standalone EV charging points are excluded; and the supplied installer guidance excludes replacement of existing renewable measures.

How Does the Warm Homes Loan Scheme Process Work?

1.

Tell us about your home

Share your property details and whether you’re interested in solar panels, battery storage or both.

2.

Receive Your Tailored Quote

We’ll assess your requirements and recommend a suitable system, providing a clear quotation for your installation.

3.

We Arrange Your Finance

We’ll guide you through the finance application as part of our service, so there’s no need to apply separately elsewhere. Finance is subject to approval.

4.

Installation & certification

Once everything is approved, we’ll arrange your installation and provide the necessary certification and documentation.

Why Choose Stag Solar for Your Home Energy Upgrade?

Stag Solar is an Essex-based solar and battery installation specialist with a local team and a track record of residential installations. From your initial survey and system design through to arranging finance, installation and aftercare, you deal directly with people who understand the technology and your home.

Our complete end-to-end service makes the process straightforward, with no need to apply for finance separately. Stag Solar is MCS certified (registration NIC-5954), providing reassurance that eligible renewable installations follow recognised technical standards.

MCS Certified
Octopus Trusted Partner
Which? Trusted Trader

Frequently Asked Questions

Is the Warm Homes Loan Scheme a grant?

No. The scheme supports loans provided by participating lenders. You will need to repay any loan you take out under the agreed terms. It should not be confused with a non-repayable grant.

How much can I borrow for solar panels or a battery?

The scheme’s loan contribution caps are up to £15,000 for eligible solar PV and up to £15,000 for eligible electrical battery storage.

These are maximum caps for qualifying measures, not guaranteed loan amounts. Stag Solar can help you understand the finance options available for your proposed installation, subject to eligibility and approval.

Can solar panels and battery storage be funded together?

Yes. Eligible solar panels and battery storage may be included in one installation contract, provided that the relevant technology caps and other scheme requirements are met. You may need to fund any non-eligible or excess costs separately.

What is the interest rate for the Warm Homes Loan Scheme?

Stag Solar Solutions is offering access to Warm Homes Loan Scheme finance at an advertised interest rate of 4.6%, helping eligible homeowners spread the cost of solar panels and battery storage over manageable monthly repayments.

Finance is subject to eligibility, approval and the applicable loan terms.

Can private landlords apply?

The installer guidance describes support for eligible homeowners and private landlords. The property must be residential, and the applicant must meet the chosen lender’s eligibility criteria.

Can I add a battery to solar panels I already have?

This may depend on how the proposed work is treated under the scheme and by the lender. The supplied installer guide excludes quotations for replacing existing renewable measures. Contact Stag with details of your current setup so the proposed work can be checked before you rely on WHLS finance.

Can I use this loan for an EV charger?

A standalone EV charging point is not an eligible WHLS measure. If your project includes other equipment or work, the costs funded through WHLS must remain within the scheme’s eligible measures and caps.

How do I apply?

Simply request a quotation from Stag Solar Solutions.

We’ll discuss your requirements, recommend a suitable solar or battery system and guide you through the finance arrangements as part of our complete installation service.

There’s no need to make a separate finance application elsewhere. We’ll support you from your initial enquiry through to installation and aftercare, subject to finance approval.

How much will my monthly repayments be?

Your monthly repayments will depend on the amount borrowed, repayment period and agreed finance terms.

For example, at a fixed annual interest rate of 4.6%, borrowing £10,000 over 10 years would cost approximately £104 per month, assuming 120 equal monthly repayments and no additional fees.

Stag Solar can provide further information about the available finance arrangements when preparing your quotation.

Request Your Solar & Battery Quote

Interested in solar panels or home battery storage with affordable finance at 4.6%?

Complete the form and our Essex-based team will contact you to discuss your requirements, provide a tailored quotation and explain how we can help arrange your finance.

From your initial enquiry through to installation, Stag Solar Solutions makes the process simple.

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The Warm Homes Loan Scheme is a loan programme, not a grant. Finance is provided by participating lenders and is subject to their eligibility, credit and affordability criteria. Loan amounts, interest rates, repayment periods and total amounts repayable vary by lender and product. Stag Solar provides installation services and quotations; any lender-specific finance offering will be explained separately.
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