Warm Homes Loan Scheme
Department for Energy Security and Net Zero
What it funds
The Warm Home Loans Scheme (WHLS) will help lenders to issue loans at interest rates below their market rate by providing a principal reducing grant. Lenders will apply to be part of the scheme as an organisation and if successful will then submit products for approval based on the eligibility criteria outlined in the scheme rules. Once these products are approved the lender can claim the grant for all eligible loans.The lender retains full operational freedom to design, operate and market produ
Who can apply
The scheme is open to all lenders that meet minimum regulatory, operational, and conduct standards. Applicants must:Be, or in the process of being, authorised and regulated by the Financial Conduct Authority (FCA) to undertake the relevant lending activities. (Note: Lenders will not have the right to enter into new loan agreements with borrowers if they lose their FCA authorisation/permission to lend.)Demonstrate sufficient financial and operational capability to design, launch, and administer consumer loan products, including customer servicing, reporting, and complaints handling at a scale appropriate to customer base and targeted customer segments. Participation is subject to a formal application and assessment process and being authorised and regulated by the FCA for the relevant activities.Further details on eligibility can be found in the scheme rules.
How to apply
Register your interest to apply for the Warm Homes Loan Scheme by sending an email to CGL-WarmHomesLoanScheme@energysecurity.gov.uk.After you register, you will receive a link to a secure SharePoint folder. This will give you access to the application form and details of the supporting evidence you need to provide.When completing the application form, ensure that:all required sections are completedthe information provide is accurate and supported by evidence where neededthe application meets the requirements set out in the guidanceThe application deadline is 5pm on 17 July 2026.
Last checked against the official source within the last 7 days. Scheme parameters are set by the funder and can change — verify before applying, or let us do it for you.
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