If you’re looking for ways to make your home warmer and more energy efficient, you may have heard about heat pumps. They’re becoming a popular choice for homeowners who want to lower their carbon footprint and could help reduce energy bills over time.
But one of the biggest questions is: can you get a heat pump with the Warm Homes Loan?
The short answer is you may be able to, but we’re still awaiting updates from the UK Government as to how it’ll work for homeowners. Here’s what you need to know.
What is a heat pump?
A heat pump is a low-carbon heating system that takes heat from the air or the ground outside and uses it to warm your home and hot water. The most common type of heat pump is an air-to-water pump which takes the heat from the air outside and uses it to heat water in an indoors tank.
Even when it feels cold outside, there is still heat in the air that a heat pump can use. Because of this, heat pumps can be much more energy efficient than some traditional heating systems.
According to the Energy Saving Trust, heat pumps work best in homes that are well insulated. If your home loses a lot of heat, improving your insulation first could help you get the most from a new heating system.
Can the Warm Homes Loan help pay for a heat pump?
The Warm Homes Loan, as part of the Warm Homes Plan, will be designed to help eligible homeowners spread the cost of making energy efficiency improvements to their homes. On a national scale, the Warm Homes Plan aims to reduce household carbon emissions and help improve 5 million households across England.
Depending on your local council’s scheme and the eligibility rules, a heat pump may be one of the improvements that can be funded through the existing Warm Homes Local Grant. However, we’re still awaiting news about how homeowners can apply for the Warm Homes Loan – with updates from the Uk Government expected later in 2026.
Every local authority is different, so what’s available in one area may not be available in another. Before applying, it’s worth checking:
- whether the Warm Homes Local Grant is available where you live
- whether a heat pump is included as an eligible improvement
- whether your home meets the scheme requirements.
If you’re unsure, energy services in your council area can help signpost you to the correct information.
Is a heat pump right for your home?
A heat pump isn’t the best choice for every property, but many homes could benefit from one.
You may be a good candidate if:
- your home has good insulation
- you’re planning other energy efficiency improvements
- you’re replacing an older heating system
- you want to reduce your home’s carbon emissions.
Some homes may need insulation upgrades before installing a heat pump. That’s because keeping the heat inside your home helps the system work more efficiently.
If you’re not sure what improvements your home needs first, the Energy Saving Trust has free advice to help you understand your options.
Where can I find trusted information?
When you’re making decisions about your home, it’s important to use reliable information.
We recommend visiting:
- Energy Saving Trust for independent advice about heat pumps and improving your home’s energy efficiency.
- GOV.UK for the latest information about government energy efficiency schemes and support available in your area.
These websites are regularly updated and can help you understand what’s available before you apply.
Ready to take the next step?
A heat pump could be a good option if you’re looking to make your home more energy efficient. While the Warm Homes Local Grant may be able to help with the upfront cost, availability and eligibility depend on your local scheme and your property’s circumstances.
If you’d like to find out what’s available in your area, we’re here to help. At Lendology, we’ll guide you through the process and explain your options in a clear way, so you can make the right decision for your home with confidence.
