Warm Homes Loan Scheme
The Warm Homes Loan Scheme provides finance part-funded by the UK Government for eligible energy-efficient home improvements to residential properties.
Tandem participates through approved installers who offer both Scheme installations and Tandem finance. Customers apply through these installers rather than directly with Tandem.
Drawing on our experience in green home finance, Tandem has worked closely with industry and Government stakeholders throughout the development of the Warm Homes Loan Scheme and is proud to support its delivery through finance provided to eligible homeowners.
Tandem is responsible for lending assessments and decisions relating to the finance. Installers are responsible for the technical quality and performance of installations.
About the scheme
The Warm Homes Loan Scheme helps eligible homeowners and private landlords access finance for energy-efficient home improvements through participating lenders, including Tandem. The loans are provided by lenders, not the Government, and customers remain responsible for repaying them.
Every application remains subject to Tandem’s eligibility requirements, affordability assessment and creditworthiness checks. Being eligible for the Scheme does not guarantee Tandem will approve an application. More information can be found on the Government’s website.
Finding an installer and checking access to Tandem finance
Tandem does not recommend specific installers, and customers cannot apply directly to Tandem. To take part in the Scheme, installers must be MCS certified. A full list of certified installers is available on the MCS website.
Please note that the MCS directory is not a list of Tandem partners. To participate in the Scheme, installers must be both MCS certified and approved to offer Tandem finance. Not all MCS-certified installers offer Tandem finance, and not all Tandem partners are MCS certified.
Which improvements may be supported?
The technologies listed below are examples of measures that may be supported by the wider Warm Homes Loan Scheme. They do not represent a definitive list of home improvements available through Tandem finance.
Solar panels
Generate electricity from sunlight.
Battery storage
Store electricity for use when you need it.
Air source heat pumps
A low-carbon alternative to traditional heating systems.
Ground source heat pumps
Use heat from the ground to help warm your home.
Heat network connections
Connect a residential property to a shared heating network.
Ancillary technologies
Ancillary technologies may be eligible under the wider Scheme.
Not all improvements qualify
Eligibility depends on the proposed improvements, your property, the Scheme requirements and Tandem's lending criteria. Your installer can assess the work and provide a quote, while Tandem assesses eligibility for finance. Meeting the Scheme requirements does not guarantee loan approval.
How Tandem participates in the Scheme
Tandem finance is available through participating installers that are approved by Tandem and MCS certified. While your installer will assess the work and provide a quotation, Tandem will assess your eligibility for finance.
To access Tandem finance through the Scheme, an installer must be both approved to offer Tandem finance and hold the required MCS certification.
Installation suitability
An MCS-certified installer will assess the proposed improvements and provide a quotation. Tandem will assess your application for finance separately. Eligibility for the Scheme does not guarantee loan approval.
Finance information
An installer approved to offer Tandem finance can explain the finance options available. Full details of the interest rate, repayment term, total amount repayable and any applicable fees will be provided in your key information and finance agreement.
Application
Applications for Tandem finance through the Scheme must be submitted through an installer approved to offer Tandem finance. Tandem does not accept direct applications.
Lending assessment
Tandem will assess your application against the Scheme requirements, its lending criteria, and affordability and creditworthiness checks. Meeting the Scheme requirements does not guarantee loan approval.
Installation
Once finance has been approved, the installation can proceed, subject to the relevant Scheme requirements, quality standards and certification requirements.
Important information
This is a loan and must be repaid. Energy savings will vary depending on your property, the improvements installed and your energy usage, and are not guaranteed. Savings should not be assumed to cover loan repayments. You may also be eligible for grants or other government support. Learn more on the Government's website.
What if I have an existing Tandem application with installation pending?
Already have a Tandem application in progress? Your installer is best placed to advise whether your application could be considered under the Scheme. Please contact them directly to discuss your options and next steps.
Who should I contact?
Find the right person to answer your question
Your installer
You can contact your installer about:
Your installer can advise on the proposed home improvements, provide a quotation and answer questions about the installation process. If your installer offers Tandem finance, they can also help with your application. Tandem is responsible for lending decisions. For general information about the Scheme, visit the Government website.
Tandem
Tandem handles questions about lending decisions, existing loans, repayments and complaints relating to our finance products and service. For help and support, please contact us.
Complaints and Escalations
Installation concerns
If you have a concern about your installation, please contact your installer in the first instance. MCS also provides information and support for complaints relating to MCS-certified installations.
Tandem finance complaints
If you have a complaint about Tandem's finance products or service, please contact Tandem first. If we are unable to resolve your complaint, you may be able to refer it to the Financial Ombudsman Service.
Scheme enquiries
Questions about the administration of the Warm Homes Loan Scheme should be directed through the Scheme's official contact channels.
Useful links:
Key terms
MCS-certified installer: An installer that holds the relevant MCS certification for the home improvement being installed. MCS certification does not mean that an installer is approved to offer Tandem finance.
Installer approved to offer Tandem finance: An installer that has been approved to offer Tandem finance to eligible customers.
Scheme eligibility: Meeting the requirements of the Warm Homes Loan Scheme. Scheme eligibility is separate from Tandem's assessment for finance and does not guarantee loan approval.
Eligible Measures: Energy-efficient home improvements that may qualify under the Warm Homes Loan Scheme, subject to the Scheme requirements. Availability through Tandem finance may vary, and eligibility for a measure does not guarantee loan approval.
Frequently Asked Questions
The Warm Homes Loan Scheme is a government-supported scheme designed to make borrowing for eligible home energy improvements more affordable.
Participating lenders will offer discounted loan products to help homeowners and private landlords spread the upfront cost of installing eligible technologies. Lenders will remain responsible for applications, affordability checks and lending decisions.
You may be able to apply if:
- you own the property you are applying for
- you are a homeowner or private landlord
- the property is in the UK and used for residential purposes
- you meet your chosen lender’s eligibility, creditworthiness and affordability requirements
Different lenders may have different eligibility requirements.
No. Applications must be made by the property owner.
A private landlord may apply for eligible improvements to a property they own. The landlord would be responsible for taking out and repaying the loan.
The scheme will be available across the UK through participating lenders. The products available and the geographical areas covered may vary between lenders.
Further information about the Warm Homes Loan Scheme
Official Government information and the consumer information sheet explain the wider Scheme.
Access to Tandem finance is through participating Tandem-approved and MCS registered installers and requires separate confirmation of the applicable installation certification. Please note, Tandem does not recommend individual firms. For more information, please visit www.gov.uk or download the information sheet.
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