Warm Homes Loan lenders: the ten named by GOV.UK, and what is known about each

Quick answer: which lenders offer the Warm Homes Loan?

GOV.UK names ten lenders for the Warm Homes Loan Scheme: HomeServe Finance, Hometree Finance, The Money Co-Op, Propensio, Secure Trust Bank, Selina Finance, South Manchester Credit Union, Sunsave Energy, Tandem Bank and This Bank. You apply to one of them, not to the government. The DESNZ factsheet describes the ten as the first part of the offer, with more lenders and products expected to join. GOV.UK publishes no rates or fees and tells you to contact each lender directly about its products, rates, terms, application process and eligibility. The official list is on the GOV.UK lenders page.

Which lenders are on the Warm Homes Loan list, and what is known about each?

The ten are listed alphabetically below, not ranked. Under each we say only what the sources we could open on 28 October 2026 support, and where we could not open a lender's own page we say so rather than guess. The DESNZ factsheet notes that some lenders work only with specific installation firms and others let you choose any MCS-certified firm, so the route can differ lender by lender.

Checked 28 October 2026. "Not confirmed" means we could not open a page from the lender that describes its Warm Homes product, not that the lender is closed. Do not assume any lender is open until its own page says so.

HomeServe Finance

GOV.UK lists this lender as Homeserve, and the DESNZ factsheet describes it as partnering with E.ON. We could not open HomeServe Finance's own page on 28 October 2026, so we cannot say whether it lends direct, through installation firms or at the point of sale, whether its loan is secured or unsecured, or whether it is taking applications yet.

Hometree Finance

GOV.UK names this lender Hometree Finance. Some press coverage calls it HTG Finance, and we use GOV.UK's name. We did not find a Hometree page describing a Warm Homes product on 28 October 2026, so its route, the type of loan and its current status are all unconfirmed.

The Money Co-Op

GOV.UK lists The Money Co-Op. We did not locate a page from the lender describing its Warm Homes product on 28 October 2026, so we can say nothing yet about how it takes applications or what kind of loan it offers.

Propensio

Propensio is on the GOV.UK list. We found no page from Propensio setting out a Warm Homes product on 28 October 2026. Its route and loan type are unconfirmed.

Secure Trust Bank

Secure Trust Bank is named by GOV.UK. A Warm Homes page from the bank was not located on 28 October 2026, so whether it lends direct or through installation firms, and whether its loan is secured, is unconfirmed.

Selina Finance

Selina Finance is on the GOV.UK list. We found no Selina page describing a Warm Homes product on 28 October 2026. The Scheme Rules allow both unsecured and secured loans, so ask Selina which kind it is offering before you apply.

South Manchester Credit Union

GOV.UK names South Manchester Credit Union. We did not locate a page from the credit union describing a Warm Homes product on 28 October 2026. How it takes applications, and who is eligible to borrow from it, is unconfirmed.

Sunsave Energy (Sunsave)

Sunsave's own page, last updated 28 October 2026, describes a working online journey: you answer questions, book a consultation, receive a proposal showing the lower rate, sign the loan agreement and a government declaration, Sunsave installs the system, and repayments then start. The page says funding is limited and first come, first served, and that the scheme began in October 2026. It excludes private renters, social housing tenants and businesses, and says you must borrow as an individual. On this route one business provides both the loan and the installation.

Tandem Bank

Tandem's own page says it does not take direct applications: you apply through installation firms approved to offer Tandem finance. It adds that the MCS directory is not a list of Tandem partners, so being MCS-certified does not mean Tandem will lend for a firm's work. The page is undated, talks about availability across the UK in the future tense, and gives no rate, range or term, so we cannot say whether lending has started. One press report (a copy of the Guardian story dated 28 October 2026) says Tandem's loans are offered through British Gas; GOV.UK does not say this.

This Bank

This Bank is on the GOV.UK list. We found no page from the lender describing a Warm Homes product on 28 October 2026, so its route, loan type and status are unconfirmed.

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How does a Warm Homes Loan reach you: direct, through an installation firm or through your mortgage provider?

GOV.UK's apply page lists three routes to a loan from a participating lender. The Scheme Rules add that applications go to a participating lender or, where applicable, an FCA-approved intermediary.

Source: GOV.UK, Warm Homes Loan Scheme: apply, and the DESNZ factsheet, accessed 28 October 2026.

The Scheme Rules cover two forms of loan, and rule some others out:

• Unsecured personal loans, including point-of-sale finance offered alongside an installation firm's quote.
• Secured personal loans, as a first or second charge mortgage on your home. MoneySavingExpert warns that some secured loans, such as second mortgages, are part of the scheme and that a longer term raises the total cost.
• Not supported in the first phase: lending to businesses or special purpose vehicles, property-linked finance, and subscription or leasing products.

What should you ask a Warm Homes Loan lender before you apply?

GOV.UK tells you to compare the total repayable, the repayment term and any monthly fees across quotes and loans. These questions put that into practice, and none of them needs a rate to be published first.

1. Is this product funded by the Warm Homes Loan Scheme? GOV.UK says to check that the product description shows it is government-funded.
2. What is the nominal rate, and what is the APR? The Scheme Rules express rates as nominal annual fixed rates, which are not the same as APR.
3. What term is on offer, and does the rate reduction still apply at that term? Grant support is only available for terms of three years or more, and the reduction is smaller on longer loans because the grant is capped at 20% of the loan.
4. Is the loan secured against my home or unsecured?
5. What fees apply, and what happens if I repay early?
6. Which installation firms do you accept? Can I choose any MCS-certified firm, or only ones you have approved?
7. When do you pay out: upfront, as a deposit, direct to the firm, or after the work is verified? The Scheme Rules leave this to the lender.
8. Is there an age limit, or any exclusion by type of borrower or property?
9. What credit and affordability checks will you run?
10. What will I be asked to sign? Expect the loan agreement, a declaration about other government funding for the same improvement, and consent in the loan documents to property access for scheme compliance.

How do lenders join the list, and will more be added?

Lenders must be FCA-authorised UK lenders, and under the Scheme Rules they may not use scheme branding or claim to be a Warm Homes Loan lender until DESNZ has fully approved them. DESNZ approves each lender's product and assesses the lender's market rate. The first lender window opened in June 2026 and closed on 29 July 2026. A further window is planned for late 2026, for onboarding in early 2027, with exact dates still to be confirmed, and annual windows after that. That is why GOV.UK and the DESNZ factsheet treat the current ten as an initial group.

Two things are not published anywhere we could find: a consolidated list of which lenders are live, and which installation firms each lender accepts. Our step-by-step application guide covers what to do in the meantime, and our solar and battery loan guide covers the caps. The live status of the scheme is on our Warm Homes Loan page, and our Warm Homes Plan guide shows where it sits alongside the other schemes. If you were looking for the £150 energy bill discount, that is a different scheme: see Warm Home Discount vs Warm Homes Loan.

How do you spot a fake Warm Homes Loan offer?

You never apply to the government: GOV.UK is explicit that the loan comes from a participating lender. A genuine lender is on the list of ten, is FCA-authorised, and its product description shows it is government-funded. Which? warned on 5 February 2026 that unsolicited offers of loan access are likely to be scams, and MoneySavingExpert's 26 October 2026 report warns of scammers posing as part of the scheme. To report a suspected scam or misuse of the scheme, email WHLScounterfraud@energysecurity.gov.uk. Scheme questions go to WHLS@energysecurity.gov.uk, and GOV.UK lists no scheme phone helpline.

Update log

We add a dated line here when a lender's product goes live, when GOV.UK adds or removes a lender, or when the dates of the further lender window are confirmed.

Lender names, routes and status were checked against GOV.UK, the DESNZ factsheet and the two lender pages we could open, all on 28 October 2026. This guide is factual information about a government scheme, not financial advice, and Clearline does not offer, arrange or broker credit. Confirm every detail with the lender before you apply.