Notice

Warm Homes Loan Scheme: apply to participate as a lender (Phase 1)

The Warm Homes Loan Scheme (WHLS) will unlock private lending and investment at scale for home retrofit.

• From: Department for Energy Security and Net Zero
• Published: 24 June 2026
• Last updated: 29 July 2026 — See all updates

Documents

Warm Homes Loan Scheme: Scheme Rules

PDF, 2.86 MB, 62 pages

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Warm Homes Loan Scheme: due diligence and monitoring privacy notice

https://www.gov.uk/government/publications/warm-homes-loan-scheme-due-diligence-and-monitoring-privacy-notice/warm-homes-loan-scheme-due-diligence-and-monitoring-privacy-notice

Details

Lender applications for the first tranche of the Warm Homes Loan Scheme have now closed.

We expect to open a further application window later in 2026. Details of future opportunities to participate in the scheme will be published on this page.

Announced in the Warm Homes Plan, the government has developed the Warm Homes Loan Scheme (WHLS) to unlock private lending and investment at scale for home retrofit. Lenders are invited to apply to participate in the accelerated launch of the Scheme.

The WHLS aims to support the growth of the green home finance market by deploying £300 million of grant capital and working with lenders to increase demand for and reduce the financing cost of energy efficiency improvements in owner-occupied and private rented homes.

The success of the scheme depends on broad and inclusive participation. We welcome interest from the full spectrum of the UK financial services sector, including but not limited to banks, building societies, credit unions and specialist lenders. There will be further opportunities to join the scheme, with the next window intended to be later this year.

Who can apply

You can apply if you are an FCA authorised UK-based lender and you:

• offer, or plan to offer, retail lending products to consumers for home retrofit
• want to support growth in the home retrofit finance market
• can take part within the scheme timetable

Further eligibility requirements are set out in the Scheme Rules.

What participation involves

If you take part in the scheme, you will work with government to:

• develop and deliver finance products for home energy improvements
• support action to increase consumer demand for home retrofit
• share insights on consumer behaviour and the market

Full details of expectations, timelines and reporting requirements are set out in the Scheme Rules.

What happens next

We will assess your application against the criteria.

If your application is successful, we will contact you with next steps.

If your application is unsuccessful, we will provide feedback where possible.

Contact

If you have any questions about the application process, contact:

CGL-WarmHomesLoanScheme@energysecurity.gov.uk

If you have any questions about the Scheme Rules, contact:

GFPolicy@energysecurity.gov.uk

Published 24 June 2026

Last updated 29 July 2026 — Show all updates

1. 29 July 2026

   Lender applications for the first tranche of the Warm Homes Loan Scheme have now closed.

2. 21 July 2026

   Published the Warm Homes Loan Scheme: due diligence and monitoring privacy notice.

3. 24 June 2026

   First published.