Pay for solar panels and home batteries monthly
Fixed monthly payments from £20 a month for a fully installed system. Choose a system, pick how long to pay over, and get a decision in minutes.
Contents
Overview
Warmer Home Scheme lets homeowners in England, Scotland and Wales spread the cost of a solar and battery installation over 2 to 20 years at a fixed rate.
- 4.9% APR representative, fixed for the whole term, with no deposit needed
- 0% VAT on the full installed price until 31 March 2027
- installed and certified by MCS-certified engineers, with a free survey before you sign anything
Finance is subject to status, affordability and a successful home survey.
Am I eligible?
Answer four questions to see whether a Warmer Home Scheme plan is likely to be available to you, before you give any personal details. This is not a credit check.
What it could cost: pick a home like yours
Three typical homes with a system to match. Change the home or the term and the figures update. Every system on this page can be built to your own spec further down.
Choose a system
Open a system type to see the plans. Every price includes the equipment, professional installation and 0% VAT. You can change the battery, panels, term and deposit on the plan page.
terms over 10 years (up to 240 months) depend on the lending partner Longer terms mean lower monthly payments but more interest overall. Fox Mini Qube prices above 2.11kWh are estimates.
How it works: from today to your first payment
- Get a decisionMinutes, or within 24 hours
Choose a plan and answer four questions. It is a soft search, so your credit score is not affected.
- Free home surveyUsually within a week*
A surveyor checks your roof, the battery location and your fuse board at your home. No cost, no obligation.
- Fixed price and e-signSame week as the survey
We confirm your price in writing. You read and sign the credit agreement online. This is the first point at which anything is owed.
- Installation1 to 2 days on site*
MCS-certified engineers fit the system, notify your network operator and set up the monitoring app with you.
- First paymentAbout a month after installation*
Your fixed monthly payment starts, for the term you chose, and you watch your generation and savings in the app.
*Typical timings. survey lead time, install duration and first-payment timing to be confirmed by Fresh Solar and the lender
Nothing is signed and nothing is owed until after the survey, so you can stop at any point before then.
Who installs it
Installations are carried out by Fresh Installation Ltd, trading as Fresh Solar, an MCS-certified installer with TrustMark, HIES, NAPIT, CHAS and SafeContractor accreditation. Equipment is supplied by PowerXpress.
Certifications and experience
- MCS certification
- Required to claim Smart Export Guarantee payments. Certificate number MCS number
- Consumer protection
- TrustMark, HIES Consumer Code, NAPIT, CHAS and SafeContractor
- Experience
- Over 24,000 systems installed in UK homes over more than ten years verify figure
- Leading brands
- Fox ESS, Hiconics, Duracell Energy and Marstek systems with 480W to 490W solar panels
- 0% VAT until March 2027
- Installed solar and batteries are zero-rated under Energy-Saving Materials Relief. Prices shown already include it
- After installation
- Monitoring app showing generation and savings, with a UK team on phone, email and WhatsApp
The Government's Warm Homes Plan
The Warm Homes Plan is a UK Government policy paper published by the Department for Energy Security and Net Zero on 21 January 2026 and last updated on 18 March 2026. It sets out how the Government intends to cut energy bills and upgrade homes with measures such as solar panels, batteries, heat pumps and insulation.
Warmer Home Scheme is not part of the Warm Homes Plan and is not a government loan or grant. Plans are provided by our lending partner lender name. Fresh Solar is an authorised installer, confirm exact wording delivering solar and battery upgrades.
Government support compared with our plans
Two different things that are easy to confuse. The left column describes the Government's programme and links to the official source. The right column is the Warmer Home Scheme, which is not part of it.
See the side-by-side comparison
| Question | Warm Homes Plan (UK Government) | Warmer Home Scheme (Fresh Solar) |
|---|---|---|
| What it is | A Government policy paper on cutting energy bills and upgrading homes, published 21 January 2026.Source: GOV.UK | A fixed-rate payment plan for a fully installed solar or battery system. |
| Who provides it | The Department for Energy Security and Net Zero.Source: GOV.UK | Fresh Solar, a private MCS-certified installer, with a lending partner lender name. |
| Is it a loan or a grant? | The paper describes support measures for households. For what is on offer and to whom, read the paper on GOV.UK. | A credit agreement at 4.9% APR representative. Not a grant. |
| Who can apply | Set by Government for each scheme. Check GOV.UK or your local council. | Homeowners aged 18 or over in England, Scotland or Wales, subject to credit status and a home survey. |
| How to apply | Through GOV.UK, when a scheme opens. | On this page: choose a plan, check your eligibility, book a survey. |
| Available now? | Check GOV.UK for the current position. | Yes. |
If you qualify for a government grant or loan, we will tell you before you commit to a Warmer Home Scheme plan, so you always get the best option available to you.
Representative example
Representative example
Credit is subject to status and affordability. Solar systems can be paid over 24 to 240 months. Battery-only systems over 24 to 120 months. Optional deposit of up to 50% of the cash price. Fresh Solar acts as a credit broker and not a lender.
Words explained
See the glossary
- APR (annual percentage rate)
- The yearly cost of borrowing including interest and fees, shown as a percentage. Use it to compare finance offers.
- Representative APR
- The rate at least 51% of accepted customers get. Your own rate depends on your circumstances.
- Soft search
- A credit check that only you can see on your credit file. It does not affect your credit score. A full check happens only if you go ahead.
- Pre-approved
- An early yes, subject to a full credit check, an affordability assessment and a successful home survey. It is not a guarantee of credit.
- Credit broker
- A company that introduces you to a lender. Fresh Solar is a credit broker, not a lender.
- MCS
- The Microgeneration Certification Scheme. An MCS certificate is needed to claim Smart Export Guarantee payments.
- Smart Export Guarantee (SEG)
- Payments from your energy supplier for electricity your solar panels send back to the grid.
- kWp
- Kilowatts peak: the maximum power a solar array can produce in ideal conditions. Bigger is more panels or more powerful panels.
- kWh
- Kilowatt-hours: a unit of energy. A battery's size is given in kWh, the amount it can store.
- Hybrid inverter
- The box that converts solar power for your home and manages the battery at the same time.
- DNO notification
- Telling your Distribution Network Operator, the company that runs the local grid, that you have connected solar or a battery. We do this for you.
- 0% VAT
- Installed solar and batteries are zero-rated for VAT until 31 March 2027. Prices on this page already include it.
Common questions
Is this a government website?
No. Warmer Home Scheme is a payment plan offered by Fresh Solar, a private MCS-certified installation company. The Warm Homes Plan is a UK Government programme. You can read about it on GOV.UK.
How quickly will I get a decision?
Most applications are pre-approved instantly. If our lending partner needs a manual check, you will get a decision by email within 24 hours. Pre-approval is subject to a full credit check, affordability and a successful home survey.
Should I choose solar with a battery, solar only, or a battery on its own?
Solar panels generate your own electricity during the day. Adding a battery lets you use more of it in the evening. A battery on its own charges on a cheap overnight tariff and powers your home at peak times, or stores power from solar panels you already have.
How are the estimated savings worked out?
Do I need to pay a deposit?
No. You can pay nothing upfront, or add a deposit of up to 50% of the cash price to lower your monthly payment.
Can I pay off my plan early?
Yes. You can settle early at any time and only pay interest up to the date you settle. confirm with lender
Build your plan
What's included
Specification
The bill saving shown is an estimate, not a promise. It depends on your roof, how much electricity you use and when, your tariff and the weather. Your surveyor will give you a figure for your home.
How we work it out
See all payment terms for this system
Figures are for the system and deposit chosen above. Select a term to update your plan.
Representative example
Representative example
Credit is subject to status and affordability. Optional deposit of up to 50% of the cash price. Fresh Solar acts as a credit broker and not a lender.
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Your details
Takes about 2 minutes. Most customers get a decision straight away. Some applications need a quick manual check, and you will hear back within 24 hours. This is a soft search: it will not affect your credit score, and you are under no obligation to proceed.
You must be 18 or over, a UK resident and the homeowner.
Checking your eligibility
Please keep this page open. It usually takes a few seconds.