Established in 2003, we have lent over £27 million on behalf of our council partners.

Suffolk-County-Council

Warm Homes Suffolk Loan

Looking to fund energy efficiency upgrades such as insulation, solar panels, batteries, glazing, or heat pumps? Discover Suffolk Warm Homes Loans available of up to £15,000 at 0% interest (Representative 0.2% APR).

Loan repayment terms will be offered and assessed individually based on your financial circumstances and affordability. Shorter repayment terms ensure the limited funding reaches as many homeowners across the county as possible, allowing us to recycle funds faster to support more homeowners in making sustainable home energy efficiency improvements. All loans are offered at 0% interest (Representative 0.2% APR).

We recommend that you carry out an independent retrofit assessment to find out which works are suitable for your home and budget. 

Loan Calculator

Representative example. 0% interest fixed (Representative 0.2% APR)

How much would you like to borrow?
£
Over what period of time?
 year(s)
Interest rate
Monthly payment
£
0.00
Land registry fee
Interest payable
£
0.00
Total amount payable
£
0.00

Representative Example (0% fixed interest rate, Representative 0.2% APR).

Loans are subject to status and are typically protected by a Title Restriction.

Borrow £5,000 over 60 months, £83.33 monthly repayments, with the final payment of £83.53. Total amount payable = £5,020.00, including £20.00 fee for registering the Title Restriction against your property at the Land Registry. The £20.00 fee is only payable if a loan is agreed by Lendology, and you decide to proceed with a loan. We do not charge interest on the fee. A Title Restriction means that you may not be able to sell your home without our permission unless the loan is fully repaid. Missing payments could affect your credit rating and ability to obtain credit in the future.

Loans are subject to status and are typically protected by a Title Restriction.

What we offer

With fixed interest, no early repayment charges and the option to make overpayments at any time, our flexible loan scheme can be tailored to suit your individual circumstances.

Start your sustainable journey today.

  • Borrow from £2,000 up to £15,000
  • Fixed interest rate
  • Representative 0.2% APR
  • No early repayment charges
  • Flexibility to make overpayments
  • Up to 7 year repayment period

Type of works

If you are a homeowner looking to finance repairs to your home, our home improvement loan could be the answer you have been looking for.

Check your borrowing options. It’s quick, easy, and no obligation.

  • Solar PV systems
  • Solar battery storage
  • Solar thermal systems
  • Ground source heat pumps
  • Air source heat pumps
  • Double and triple glazed windows and doors
  • Loft, wall or floor insulation
  • Ventilation where combined with insulation measures

Who can apply?

Our lending decisions are made by people, not computers.

Lendology work in partnership with local councils to lend to eligible homeowners. Each local council has its own policy for interest rates and types of works.

To discuss your circumstances and eligibility complete our application form.

See what’s possible. No strings attached.

  • Homeowner
  • No upper age limit
  • Poor credit history
  • Retirees
  • In receipt of benefits
  • Employed & Self-employed

The application process​

We understand that talking about money and applying for finance can be tricky, and we will work with you every step of the way.

We are happy to work with family members/supporting agencies if you would like help along the application process, however we will need your consent to doing so before we can speak to someone other than yourself. For customers identified as needing more support, we can arrange a face-to-face visit if needed. Your Case Manager is here to help and are fully trained to understand a wide range of financial circumstances.

Fill out our Application Form here or call us on 01823 461099 to complete an application over the phone. Want to find out more first? Complete our Contact Us Form to request a call back. A member of our team will get in touch within 2 working days.

Check your email for instructions to securely upload bank statements via Open Banking for an affordability check.

We’ll assess your application, run an affordability check, and conduct a credit search to confirm loan affordability. If we can’t provide a loan, we’ll do our best to signpost you for other support.

After our assessment, you’ll receive a personalised, conditional offer valid for six months—giving you plenty of time to make decisions that work best for you.

Once you’ve selected a contractor, share your quotes with us to move forward with the loan.

We’ll finalise the loan amount based on your quotes and send a Loan Agreement for you to review and sign.

With everything in place, you’re ready to begin your project! We can arrange deposits up front if required.

Once the work is completed, simply send us a copy of your contractor’s invoice, and we’ll release your funds to your nominated account.

Warm Homes Suffolk Loan | Suffolk County Council & Lendology

Lendology partners with Suffolk County Council to offer interest-free loans of up to £15,000 for home energy improvements through the Warm Homes Suffolk Loan. Funded via the County Deal and the Department for Levelling Up, Housing and Communities, the scheme helps homeowners invest in insulation, solar panels, glazing, batteries, or heat pumps. Available from November 2024, these 0% loans aim to improve warmth, reduce energy bills, and support healthier, more energy-efficient homes across Suffolk.

after-house
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After many years of living in his 1960’s-built home in Braunton, Mr. C was reluctant to move when his home was no longer suitable for his living needs. Mr. C is in his 70s and is much more vulnerable to the cold.

Information required

Key loan information when Applying for a loan  

Key information to Evidence Works

  • Suffolk County Council require you to provide two quotes for each element of works you are looking to fund with the loan scheme.
  • Proof of planning permissions (if applicable) must also be provided.
  • The contractor must hold a valid Trustmark, MCS or other appropriate accreditation.
  • Before a loan is released, you must provide: Photos of the completed works and an Energy Performance Certificate (EPC) completed after the works are installed.

Support in my local area

Warm Homes Suffolk

Find the right tradesperson for you | Trustmark

Group-buying for Solar | Suffolk County Council | SolarTogether.co.uk

Cost of Living Support in Suffolk