Now open — 27 October 2026
Warm Homes Loan in Hampshire: solar and battery loans, now open
The scheme opened 27 October 2026 with ten lenders. Get a lender-ready MCS quote from Extract Energy.
The government has worked with banks and finance companies to bring down the interest rate on loans for solar panels and battery storage — up to 5% lower than a standard personal loan. No means test. Up to £15,000 for solar, a further £15,000 for battery storage. We survey your roof, give you a written MCS quote the lender needs, and install once funding is confirmed.
What you can borrow for
| Measure | Maximum loan |
|---|---|
| Solar panels | Up to £15,000 |
| Battery storage | Up to £15,000 |
The two limits are separate — a combined solar and battery system is measured against both. A battery can also be financed on its own if you already have panels.
Who can apply?
The loan is available to homeowners across the UK. There is no means test — you do not need to be on benefits or a low income. What you need is to pass the lender's normal affordability and credit checks.
- Homeowner (UK-wide, no minimum EPC requirement)
- No means test — open to all income levels
- Pass the lender's standard affordability and credit checks
- Installing solar PV, battery storage, or a heat pump
Extract Energy is not a lender and does not arrange, broker or advise on finance. We survey, quote and install. The loan is between you and the lender.
How it works with Extract Energy
- 1Register below — we'll call you back within two working days
- 2Free home survey: we check your roof, shading, usage and confirm what's suitable
- 3Written MCS quote: itemised, with system size in kW and our MCS number (IAA10310) — exactly what lenders ask for
- 4You apply to a participating lender; they carry out their checks and make the decision
- 5Once funding is confirmed, our own team carries out the installation
What lenders ask for from your installer
- Written quote addressed to you
- System size in kilowatts (kW)
- Installer's MCS certificate number
- Itemised breakdown of costs
- Installer's company name and address
Our quotes include all of these as standard.
Think you might qualify for the grant instead?
Warm Homes Grant – check eligibility →Get a lender-ready quote
Register below and we'll call you back within two working days to arrange a free survey. We'll give you a written MCS quote you can take straight to a participating lender. No obligation.
The ten lenders taking part
DESNZ named these lenders when the scheme opened on 27 October 2026. More are expected to join.
Is your home suitable?
Solar works best on roofs that face roughly south, east or west with minimal shading. Adding battery storage means you use more of what you generate in the evening rather than exporting it cheaply. If your roof isn't suitable, we'll tell you — quoting a system that won't pay its way helps nobody.
The loan doesn't cover insulation. Solar works best in a warm, dry house. If your loft or walls need attention, we can quote that separately.
Already have solar? Finance a battery under the Warm Homes Loan
Battery storage can be financed on its own — including adding a battery to panels installed by another company. No roof survey drama, a quicker job, and a clear benefit: use more of your own power in the evening instead of exporting it at a low rate. We install Tesla Powerwall 3 and Sigenergy SigenStor.
Battery storage options →Why choose Extract Energy?
- MCS certified for solar PV and battery storage — certificate IAA10310
- TrustMark registered — licence 1948305
- Family firm based in Gosport since 2013
- Our own installation team — not subcontractors
- Approved Tesla Powerwall 3 and Sigenergy installer
- 4.7 stars from 59 Google reviews
Frequently asked questions
Is the Warm Homes Loan Scheme open now?
Yes. The government published the details and named the first ten lenders on 27 October 2026.
Is the Warm Homes Loan interest-free?
Some products are interest-free, but not all of them. The government says rates are up to 5 per cent lower than regular loans. Your rate depends on the lender and your own credit checks.
How much can I borrow for solar panels?
Up to £15,000 for solar panels and a further £15,000 for battery storage. The two limits are separate.
Can I get a loan just for a battery?
Yes. Battery storage can be financed on its own, including adding a battery to solar panels you already have.
Does the Warm Homes Loan cover insulation?
No. Insulation is not currently covered by the loan scheme. If your home needs loft or cavity wall insulation, that has to be funded another way.
Do I need to be on benefits to apply?
No. There is no means test. Lenders run their normal affordability and credit checks.
Can I choose Extract Energy as my installer?
Some lenders let you choose any MCS-certified installer — Extract Energy qualifies. Others only work through their own partner installers. Ask the lender before you apply.
Want an instant solar estimate first?
Our solar price tool scans your roof from aerial imagery and gives you an indicative system size, cost and payback period — no sales visit, no personal details required.
Get an instant solar estimateThe estimate is indicative. A free home survey gives you the exact price and the MCS quote a lender needs.
Solar panels and batteries installed in homes are currently zero-rated for VAT until 31 March 2027. Ask us for the current position when we quote — tax rules can change.