Home Energy Scotland Loan: overview

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Latest: Continuing impact of lockdown on loan offers

Backlogs caused by COVID-19 restrictions may still cause delays to getting work done in your property. If you already have a Home Energy Scotland Loan offer, it will be valid for six months from date of offer, so you can claim your loan once your delayed installation is complete.

 

If you are applying for a Home Energy Scotland Loan, you will need a quote from an installer to support your application. You can start your application now and save it for completion once your chosen installers have been able to provide quotes.

Increased cashback now available

Up to 40% cashback for some eligible energy efficiency measures and 75% for certain renewable heating systems (based on total costs and capped at a maximum value) is now available. Cashback 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.

What the loan covers and how to apply

The amount of funding you can claim depends on what improvements you want to make. We’ve answered some of the more common questions below, and there are also links to important information that you should read before applying. You’ll find more information on our application form but, if you have any questions at all, just give us a call on 0808 808 2282.

Who can apply?

Are you a homeowner? Great news - if you live in the property you own then you can apply. Call us free on 0808 808 2282 today.

Building your own Grand Design? You can use the loan for home renewables systems or energy storage systems; other measures aren't available if it's a self-build.

Landlord, business or a property developer? Sorry - you can’t apply. But we do offer a range of other funding opportunities like the Scottish Government's Private Rented Sector Landlord Loan – see Find funding for more information.

Still not sure if you can apply? Call us on 0808 808 2282 today and our advisors will help.

Remember, the loan is only available for properties in Scotland.

What you need to do

You can only apply using the application form provided to you by Home Energy Scotland.

You must contact Home Energy Scotland personally to get impartial advice about your home, which will help decide the best options for you. Third parties - for example, installers or letting agents - are not allowed to apply for you.

How much can you borrow?

What you can borrow depends on what improvement or installation you want. They’re grouped into two types:

The maximum funding for energy efficiency measures is £15,000 (including a maximum cashback amount of £6,000). There are also conditions attached to these amounts – read Home Energy Scotland Loan - in detail to find out more.

Maximum loan amount and cashback available for each energy improvement:

  • Solid wall insulation: up to £10,000 (£6,000 loan plus £4,000 cashback)

  • Gas heating system: up to £5,000 (no cashback available)

  • Heating system (warm air units or high heat retention electric storage heaters): up to £5,000 (£4,600 loan plus £400 cashback)

  • Gas connection: up to £5,000 (no cashback available)

  • Glazing: up to £4,500 (£4,100 loan plus £400 cashback)

  • Insulated doors: up to £4,500 (no cashback available)

  • Flat roof or room-in-roof insulation: up to £4,000 (£2,400 loan plus £1,600 cashback)

  • Loft, floor or cavity wall insulation: up to £1,000 (£600 loan plus £400 cashback)

For certain measures the cashback values stated above are enhanced and would normally be up to 25% of the total funding. The additional cashback currently on offer is subject to availability while funds last or until the end of the financial year – whichever is sooner. 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.

You can apply for up to two home renewables systems per home up to £17,500 in total, plus an energy storage system up to a maximum of £6,000 This can include up to £8,000 cashback funding (including a £500 incentive for installation of a heat meter alongside a heat pump).  

Read Home Energy Scotland Loan - in detail to find out more.

Maximum loan amount:

  • Wind or hydro turbines: £2,500

  • Solar photovoltaic (PV): £5,000

  • Solar water heating systems: £5,000 (£1,250 loan plus up to £3,750 cashback)

  • Energy storage systems (heat or electric batteries): £6,000

  • Hybrid PV-solar water heating systems: £7,500

  • Heat pumps (either air source to water, ground source to water, water source to water or hybrid air source to water): £10,000 (£2,500 loan plus up to £7,500 cashback)

  • Heat meter (if installed alongside a heat pump): up to £500 cashback*

  • Biomass boilers or stoves (non-automated, non-pellet stoves or room heaters are not eligible): £10,000 (£2,500 loan plus up to £7,500 cashback)

  • Connections to a renewably powered district heating scheme: £5,000 (£1,250 loan plus up to £3,750 cashback)

Cashback for renewable heating systems is not normally available. The cashback values stated above are subject to availability while funds last or until the end of the financial year – whichever is sooner. 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.

If you have already applied for a Home Energy Scotland Loan you do not need to do anything. We will let you know if you are eligible for cashback when we send you a loan offer (if this is after the launch date).

*Applications for heat meter funding are taken as confirmation you are willing to provide heat pump performance data (meter readings) to us on request after installation. This is to help build our understanding of heat pump performance in Scotland. Sharing of heat pump and other renewable heating systems' performance data where heat meter funding is not claimed is voluntary

Secondary improvements

You can also borrow up to £500 (including up to £200 cashback) for what are known as secondary improvements. They're not available on their own - you need to combine them with one of the energy efficient improvements or renewables systems listed above. Examples include cylinder thermostats, heating controls or hot water jackets. Talk to our advisors to find out more.

Call us on 0808 808 2282 or request a call back today.

​Loans are administered by Energy Saving Trust. Successful loans are subject to an administrative fee of 1.5%, up to a maximum of £150. Work must not commence before a loan offer has been made. For certain improvements, you will need to use a certified installer.

Energy Saving Trust is authorised and regulated by the Financial Conduct Authority. All loans are subject to availability and terms and conditions apply.

Loan in detail

Find out about repayment periods and other conditions of the loan.

Choosing the right installer

Find out about the specific requirements installers need to have, as well as certain things you must do to apply for the loan.

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Call us today

Call us today on 0808 808 2282 or request a call back today. You can only get an application from our advisors and they’ll also help with any enquiries you may have.