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

Imported from official source

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

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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

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.

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.

    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
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    September 18, 2026 11:35
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