HomeGrants and finance

What help is there, and do you qualify?

The schemes change often and the adverts don't always keep up. This is what's actually available in the North East today, in plain English, checked against GOV.UK.

The schemes, as they stand

Last checked on GOV.UK on 30 October 2026. We re-check before anything is published or advertised, and we'll tell you straight if something has changed by the time you enquire.

Boiler Upgrade Scheme

Up to £7,500 towards an air source heat pump

For: homeowners in England and Wales replacing a fossil fuel boiler with a heat pump.

A government grant paid to the installer and taken straight off your quote. £7,500 towards an air-to-water air source heat pump. If you're off the gas grid and replacing oil or LPG heating, the grant is £9,000. Your installer must be MCS certified, which ours are, and the application is made for you.

  • You don't apply. The installer does, and you see the price with the grant off.
  • Eligibility depends on the property and what's being replaced. We check at the survey.
  • The scheme has no published end date at the time of checking.
Air source heat pumps

Source: GOV.UK, Notice of approved grant categories and values for the Boiler Upgrade Scheme, effective 21 July 2026, page updated 20 October 2026.

Draft: heat pump installs and the grant application go through Scope's MCS-certified heat pump partner (David, 4 Nov 2026).

ECO4

Closes 31 December 2026

For: low-income and vulnerable households, delivered through energy suppliers.

The Energy Company Obligation funds insulation and heating upgrades for households on certain benefits or low incomes, including some solar and heat pump installs where they fit the home. The government has confirmed ECO4 ends on 31 December 2026 and there will be no successor obligation; replacement funding comes through the Warm Homes Plan below.

  • Eligibility is set by the scheme, not by us. It depends on benefits, income and the property's EPC rating.
  • Jobs must be completed before the scheme closes, so the window is short.
Check if you might qualify

Source: GOV.UK, Extending the ECO4 end date: government response.

Warm Homes: Local Grant

Fully funded upgrades, via your council

For: lower-income homeowners in England with an EPC of D or below.

Part of the government's Warm Homes Plan. Councils deliver fully funded energy upgrades, which can include insulation, air source heat pumps and solar panels, to eligible households. Eligibility is based on owning the home, its EPC rating and household income, with some areas and benefits qualifying automatically. Each council runs its own version, so what's on offer in Gateshead, Newcastle, Sunderland or Durham can differ.

  • You apply through your local council, not through an installer.
  • We can tell you whether your property is likely to fit and point you to the right council page.

Draft: details above taken from industry coverage of the Warm Homes Plan (NICEIC, April 2026). Verify the income threshold and the North East councils' schemes on GOV.UK and each council site before this goes live.

Smart Export Guarantee

Paid for what you export

For: anyone with an MCS-certified solar install.

Not a grant, but money back. Your electricity supplier pays you for every unit of solar electricity you send to the grid. Rates are set by each supplier and vary a lot, so it's worth shopping around. You need an MCS certificate to sign up, which every Scope install comes with.

Solar panels

Coming, but not yet live

Announced in the Warm Homes Plan

Low- and zero-interest loans for home energy upgrades.

The government has announced a loan scheme for upgrades such as solar, batteries and heat pumps. At the time of checking, how it will be delivered and when it starts hasn't been published. We'll update this page when it is. Until then, finance through our partners below is the way to spread the cost.

What could you get?

Four quick questions. This isn't an application and it isn't a promise, it just tells you which schemes are worth a conversation.

Do you own the home?
What heats it now?
Does anyone in the house get a means-tested benefit, or is household income under about £36,000?
What are you interested in?

Spread the cost

Most of our customers don't pay in one go. Finance is arranged through our partners, with the application done online and a decision usually the same day.

Propensio

Point-of-sale finance for home improvements. Fixed monthly payments over a term you choose.

Selina

Finance secured against your home, which can mean a lower rate on larger installs such as solar, battery and heat pump together.

Grant first, finance second

Any grant comes off the price before finance is worked out, so you only borrow for what's left.

Not sure where you stand?

Tell us what heats the house now and what you're after. We'll say which schemes apply before anyone talks prices.

Goes to the heat pump team