What could a Warm Homes Loan cost each month?

Last reviewed: 20 July 2026

Set the measure, the cost and the term to compare a typical loan with a supported one, and see the interest you would save. The scheme reduces the rate by up to 5 points and puts a grant against the balance for heat pumps.

£

Advanced: rates
%
points

The supported rate will not fall below a 0.039 floor in this illustration. Your lender sets the actual rate.

This is an illustration, not a quote or financial advice. Lenders set actual rates after their own checks. The Warm Homes Loan Scheme is expected to open in September 2026. Figures reviewed 20 July 2026.

Know the day the loans go live

The Warm Homes Loan Scheme is expected to open to the public in September 2026. Join the list and we will email you when lenders open, with occasional funding updates in between.

Please enter a valid email address.