Heat pump grants and loans in the UK

A heat pump can replace a gas, oil or electric heating system, and there's more help towards one than for any other change to your home. Some schemes pay a fixed amount to anyone, others are free for households on lower incomes or in homes with a poor energy rating.

Check which ones you can get

17 schemes

Checked against each scheme's official page. Last updated 2 November 2026.

Boiler Upgrade Scheme

Grant · England, Wales · Ofgem, for DESNZ

£7,500 off an air source or ground source heat pump (£9,000 if you are off the gas grid and replacing oil or LPG, until 31 March 2027); £2,500 off an air-to-air heat pump; £5,000 off a biomass boiler.

A grant taken off the price when you replace a gas, oil, LPG or electric heating system with a heat pump or biomass boiler. Your installer claims it for you.

Who can get it: Owners of homes or small business buildings in England and Wales, including landlords and second homes, who are replacing fossil fuel or old electric heating. No income test.

ECO4 Flexible Eligibility (ECO Flex)

Grant · England, Wales, Scotland · Your local council (declarations) with energy suppliers · Closing

Usually free insulation or heating upgrades through ECO4.

Lets your council refer you for ECO4 help even if you do not get benefits, for example if you are on a low income or vulnerable to the cold. The same Flex Route 2 test can also qualify you for the Warm Homes: Local Grant.

Who can get it: Private households (owners and private tenants) that meet their council's published Statement of Intent, usually low income or a health condition made worse by cold.

Energy Company Obligation (ECO4)

Grant · England, Wales, Scotland · Large energy suppliers, regulated by Ofgem · Closing

Usually free; you may be asked for a contribution.

Free or cheaper insulation and heating upgrades paid for by energy suppliers for low-income and vulnerable households. It is closing and no new scheme will replace it.

Who can get it: People on certain benefits in privately owned (EPC D to G) or privately rented (EPC E to G) homes, social tenants in EPC E to G homes, and people referred by their council under ECO Flex.

Home Energy Scotland Grant and Loan

Grant · Scotland · Scottish Government, through Home Energy Scotland

Up to £7,500 grant plus £7,500 loan for clean heating, up to £7,500 grant for insulation; up to £18,000 grant in rural and island homes

A grant of up to £7,500 plus an optional interest-free loan of up to £7,500 for a heat pump or other clean heating, and a grant of up to 75% of the cost (capped at £7,500) for insulation. Rural and island homes get an extra £1,500 on each grant.

Who can get it: Homeowners in Scotland, for the home they live in as their only or main home. You do not need to be on benefits.

Low carbon heat support scheme (planned)

Grant · Northern Ireland · Department for the Economy · Opening

Not yet announced

A planned grant to help homeowners switch to low carbon heating such as heat pumps, similar to the Boiler Upgrade Scheme in Great Britain. Amounts and rules are not decided.

Who can get it: Homeowners in Northern Ireland. Rules not yet decided.

NI Sustainable Energy Programme (NISEP): heat pump and solar schemes

Grant · Northern Ireland · Utility Regulator, administered by Energy Saving Trust, delivered by Refresh NI and McGaffin Mechanical

Fully funded, no cost to you

A free air source heat pump with cavity wall and loft insulation. The Toasty Homes Heat Pump and Solar scheme can also add solar panels, and the official list mentions battery storage.

Who can get it: Homeowners in Northern Ireland on a single income under £28,000, or a couple or single parent family under £35,000, with no central heating, solid fuel, an oil or LPG boiler over 15 years old or broken, or old Economy 7 heaters.

Optimised Retrofit Programme

Grant · Wales · Welsh Government, through councils and housing associations

Free to tenants, paid to the landlord

Welsh Government money for councils and housing associations to add insulation, better heating and renewable energy such as solar to their homes. Tenants pay nothing.

Who can get it: Tenants of councils and housing associations in Wales, where their landlord has put their home forward.

Warm Homes Nest scheme

Grant · Wales · Welsh Government (run by British Gas, with advice from Energy Saving Trust)

Free package of improvements, no fixed limit published

A free package of home improvements chosen for your home after a visit, such as a heat pump, insulation and solar panels. If you have no working heating or hot water, it may repair or replace your boiler or electric storage heaters.

Who can get it: People in Wales who own their home or rent from a private landlord, get a means-tested benefit or have a low household income, and live in a home with a poor energy rating.

Warm Homes: Local Grant

Grant · England · Your local council, funded by the Department for Energy Security and Net Zero (DESNZ)

Free for homeowners. Councils can spend on average up to £16,600 per home on insulation and solar, plus up to £16,600 on a heat pump.

Free home upgrades arranged and paid for by your council, such as insulation, solar panels, a heat pump and smart heating controls. A survey decides what your home needs.

Who can get it: Homeowners and private tenants in England on a low income (household income £36,000 or less, a means-tested benefit, or living in an eligible postcode) whose home is EPC D to G, where the council is taking part.

Warm Homes: Local Grant (Greater Manchester)

Grant · England · Greater Manchester Combined Authority (GMCA), with the ten Greater Manchester councils

Up to £30,000 for a first home (up to £15,000 for energy performance work and £15,000 for low carbon heating). Second and later rented homes get 50%.

The Greater Manchester version of the Warm Homes: Local Grant, funded through the area's devolved settlement. Free insulation, solar and low carbon heating for eligible homes.

Who can get it: Owner occupiers and private tenants in Greater Manchester on a low income, in homes rated EPC D to G.

Warm Homes: Local Grant (West Midlands Combined Authority area)

Grant · England · West Midlands Combined Authority (WMCA) and its seven councils

Free upgrades for eligible residents in priority areas; landlords can get 70% of costs on up to 4 homes, then 50%.

Warm Homes funding for the West Midlands metropolitan councils, paid through the area's devolved settlement. Councils offer free upgrades in chosen neighbourhoods, and WMCA offers landlords grants covering 70% of costs.

Who can get it: Low-income homeowners and private tenants in specific neighbourhoods of Birmingham, Coventry, Dudley, Sandwell, Solihull, Walsall and Wolverhampton, in homes rated EPC D or worse.

Warm Homes: Social Housing Fund (Wave 3)

Grant · England · Councils and housing associations, funded by DESNZ

Free to tenants; paid by your landlord with government funding.

Funding for social landlords to insulate homes and fit solar panels and low carbon heating for their tenants, at no cost to the tenant.

Who can get it: Council and housing association tenants in England whose home is EPC D to G and whose landlord won funding.

Warmer Homes Scotland

Grant · Scotland · Scottish Government, through Home Energy Scotland and Warmworks

Most or all costs paid, often worth £10,000 or more

Free home improvements such as wall and loft insulation, draught proofing, new heating (storage heaters, a gas boiler or an air source heat pump) and home renewables. Support is often worth £10,000 or more.

Who can get it: Homeowners and private tenants in Scotland with a poor energy rating, where someone in the home gets a qualifying benefit, is 75 or over with no working heating, or is terminally ill.

Warm Homes Loan Scheme

Loan · Whole UK · Approved lenders (banks, credit unions and finance firms), backed by DESNZ

Lower-interest loan; amount, rate and term set by each lender.

A cheaper loan from a high street or specialist lender, part-funded by the government, to pay for a heat pump, solar panels, a home battery and similar upgrades.

Who can get it: Anyone who owns their home (with or without a mortgage) anywhere in the UK, subject to the lender's credit and affordability checks.

Green Homes Wales

Loan · Wales · Welsh Government, managed by the Development Bank of Wales

Interest-free loan of £1,000 to £25,000 over up to 10 years, with some grants alongside

A free home assessment by a retrofit coordinator, then an interest-free loan of £1,000 to £25,000 for energy saving work. Some measures also get a grant, but only alongside a loan, and it can top up a Boiler Upgrade Scheme heat pump grant.

Who can get it: Homeowners in Wales who live in the home as their main home. Not means tested, but you must pass credit and affordability checks.

Private Rented Sector Landlord Loan

Loan · Scotland · Scottish Government, through Home Energy Scotland

Up to £38,500 per property (£15,000 efficiency, £17,500 renewables, £6,000 storage); 0% for up to 5 properties

An interest-free loan for registered private landlords to insulate rented homes and fit heat pumps or other renewables, up to £38,500 per property.

Who can get it: Registered private landlords in Scotland. Tenants can point their landlord to it.

0% VAT on energy-saving materials

Tax saving · Whole UK · HM Revenue and Customs (HMRC) · Closing

0% VAT instead of 5% on installed energy-saving products

No VAT is charged when an installer fits insulation, solar panels, batteries, heat pumps, heating controls and similar products in a home. This saves you 5% compared with the normal reduced rate.

Who can get it: Anyone having qualifying products installed in a home (or charity building) in the UK. Applied by the installer.

Find the grants for your home

Put in your postcode and answer a few optional questions to see which of these you look eligible for.

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