The Warm Homes Loan Scheme Explained: How to spread the cost of a battery

At Fogstar, we’ve spent years making battery storage more affordable. But even a sensibly priced home upgrade has to compete with everything else life throws at your bank account.

The Warm Homes Loan Scheme could help. Announced on 27 October 2026, it offers government-backed no- and low-interest loans* for home energy upgrades.

Yes, batteries get a seat at the table. Naturally, we pulled up a chair.

What is the Warm Homes Loan Scheme?

The Warm Homes Loan Scheme helps households spread the cost of renewable energy upgrades through government-backed finance. Including batteries. You can see why it caught our attention.

It’s still a loan, so you’ll need to repay it. Nobody’s turning up at your door with a complimentary Fogstar, sadly.

The scheme works through participating lenders, offering interest rates up to 5 percentage points lower than their regular loans. Less spent on interest. More room in the budget for the thing actually powering your house.

How much can you borrow?

The scheme supports loans of up to £15,000 for electrical battery storage, with a separate £15,000 limit for solar panels. What you can actually borrow depends on the lender and your circumstances.

That’s a maximum, not a spending target. You don’t need to find £15,000 worth of things to put in the garage.

At Fogstar, we’re firmly in the business of helping you get useful battery capacity for your money. The right system should suit your home, electricity use and budget. Your installer can help work out what that looks like.

As you can see below, the scheme also covers other technologies, including heat pumps. We’ll leave those to the heating experts. Batteries are very much our department!

Sunshine has terrible timing. Batteries help.

Your solar panels spend the afternoon generating electricity while you’re out earning enough to pay for electricity. There’s a joke in there somewhere.

Then you get home, put the oven on, tackle the washing and start drawing power from the grid. The sun, meanwhile, has finished its shift.

A Fogstar Energy battery lets you save some of that daytime generation for when you actually need it. Store surplus solar, use it later and make more of the energy your roof worked so hard to produce.

And when the forecast is cloud, followed by cloud, with a chance of further cloud, with a suitable system and tariff, you can charge using cheaper off-peak electricity from the grid, ready for more expensive periods.

It’s exactly why we’re so enthusiastic about home storage. Our Fogstar Energy range combines LiFePO4 battery technology, sensible pricing and UK support. Making the upfront cost easier to spread could put it within reach of more households.

The numbers still need to work for you. Savings depend on your setup, electricity use and tariff, so factor in any finance costs too. We’re battery people. Even we wouldn’t recommend running on enthusiasm alone.

Who can apply?

Start with a quote for your Fogstar installation, then explore finance through a participating lender or an installer or retailer offering an eligible arrangement.

Compare the interest rate, fees, repayment period and total amount repayable. We appreciate that reading finance terms ranks somewhere between cleaning the oven and calling your broadband provider, but it’s worth doing properly.

You’ll find participating providers on the government’s lender list. Before committing, check that your chosen provider accepts both your proposed Fogstar installation and your installer. Your Fogstar installer will also need to be MCS certified^.

What this means for installers

For customers who’ve been considering battery storage, spreading the cost could make it worth another look. For MCS-certified installers, that means being ready to help them understand their options.

Whether it’s adding a Fogstar battery to existing solar or planning a new installation, the starting point stays the same: the right system for the household, with clear costs and realistic expectations. Nobody needs a battery sized around the sales target rather than the electricity meter.

We’re here to help with the battery side. For Fogstar stock availability, technical support or trade pricing, contact trade@fogstar.co.uk.

Not MCS certified? Take a look at MCS’s certification guidance.

Making storage more accessible, with knowledgeable installers and proper support behind it? That’s something we’re very happy to put our name to.

*Only select lenders will offer 0% interest on loans. All loans are subject to the lender’s affordability, credit and eligibility checks. For more information, visit the Warm Homes Loan Scheme factsheet.

^Not all Fogstar Approved Installers are MCS certified. Before scheduling an install, ensure the installer you contact is MCS certified for the install to qualify for the Warm Homes Loan Scheme.