Loans & Grants
Home Energy Scotland and Energy Savings Trust are offering interest free loans and grant options for homeowners who are looking to improve the energy efficiency of their home. We've broken down what measures are eligible and how much you can get for installing energy efficiency improvements. Find out more by clicking the categories on the right and you can see what sort of grant and loan amounts are offered.
Increased Grants Now Available
Up to 75% grant funding for some eligible energy efficiency measures (based on total costs and capped at a maximum value) is now available. Funding is subject to availability while funds last or until the end of the financial year – whichever is sooner. Funds are reserved for customers when their loan is offered.
Q. Who can apply?
A. Homeowners Only
The scheme is only open to those who own and are planning to improve their own home. This includes a pre-existing property or even a property you're proposing to build yourself.
Unfortunately landlords, businesses and property developers can't apply. There is alternative funding via Scottish Government in the form of the Private Rented Sector Landlord Loan.
Grant and Loan Amounts
The amount you can borrow and available grant depends on the measure you want to install. Find out more below.
There are total funding caps for single improvement measures and for combined improvement measures as a package. The total available grant is up to 75% of the combined cost, up to the maximum amount of £7,500, or £9,000 for households qualifying for the rural uplift.
Insulation
Solid wall insulation: up to £10,000 (£7,500 grant plus optional £2,500 loan)
Loft, floor or cavity wall insulation: up to £2,000 (£1,500 grant plus £500 optional loan)
Flat roof or room-in-roof insulation: up to £4,000 (£3,000 grant plus £1,000 optional loan)
Heating
Electric heating: up to £5,500 loan (£2,500 grant available for high heat retention storage heaters when installed as a package.
You can also borrow up to £500 per secondary improvement( including up to £375 grant) and up to £600 for heating controls, which includes up to £450 grant. These must be with a main measure.
Renewables
Heat pumps (air source to water or hybrid air source to water): £15,000 (£7,500 grant plus up to £7,500 loan) or up to £9,000 grant if rural
Solar photovoltaic (PV): £6,000 (£1,250 grant if taken as package of measures)
Grants are now available for heat pumps, up to £7,500, or £9,000 if the household qualifies for a rural uplift. The remainder of funding requested can be taken up as an optional interest-free loan. Funds will be allocated on a first-come, first-served basis. Funding is reserved for householders when they receive a written loan offer, not on application to the scheme.
Repayment Periods
The maximum lending period you can choose depends on the amount of your loan.
5
Less than £5000
Years
up to
10
£5000 - £9,999
Years
up to
12
£10,000+
Years
up to
Things to Bear in Mind
There are a few things you should be aware of if you're considering applying for the loan scheme.
Funding is available on a first-come, first-served basis and is subject to availability, or until the financial year ends - whichever is first.
Installation work cannot start until your loan offer is received in writing. Once confirmed, you'll have up to six months to carry out works.
The interest free loan can be combined with other schemes and incentives. You can call us for more info on 0141 810 1447.
Your application must include an EPR/EPC recommending the measures you're looking to have installed. We will carry this out for you.
An updated post EPC is required once you've had the work done, so loan funds can be issued.
Grants can be applied for without needing to apply for a loan. A loan only needs to be applied for when the funding falls short of the project cost.
Should loft and/or cavity wall insulation be recommended on the EPC and can be installed, you must have this work completed by the time you claim the funding. Grant and loan funding are available for these measures if they're recommended on the EPC.
Important Information for Renewables
If you are using your loan to fund renewable energy improvements, it's important to read these points.
Grants for heat pumps are up to 75% of the cost, capped at £7,500.
The loan can only be used to fund one whole-house heating system
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Questions? Call us.
Information listed here is referenced from the Home Energy Scotland website and is subject to change.
We do not offer the interest free loan scheme and cannot answer specific questions regarding your application progress with HES or Energy Savings Trust.
For more information and to apply for the loan, you can visit the Home Energy Scotland website or call them on 0808 808 2282.