Payment options
Solar, heat pumps, batteries, EV chargers and boilers are substantial purchases. Cash from savings remains the cheapest route, but it's not the only option — 0% finance on selected packages, green mortgages, asset finance for commercial, and several grant routes for residential.
Residential customers
The simplest and cheapest route — no interest, no monthly payments, no credit applications. Solar in particular has unusually strong cash-deployment economics — the typical 6-9 year payback and 25-year revenue stream is among the highest-return uses of savings available to UK households in 2026 outside specialist investment products.
We offer 0% APR finance on selected solar, battery and EV charger packages — typically 12-24 month repayment terms, subject to status and affordability checks. Useful where you have the income but not the lump sum, and want to spread the cost without paying interest. Available through our consumer credit partner; not all packages or applicants qualify.
Third-party personal loans typically run 8-12% APR for energy efficiency improvements. At these rates the monthly loan payment is usually below the monthly bill saving from the install — the system pays for itself from day one. We don't sell these directly but happy to recommend brokers we trust.
Several mortgage lenders offer rate discounts or additional borrowing capacity for properties with renewable upgrades. NatWest, Halifax, Nationwide, Barclays and Coventry Building Society all have variants. Worth speaking to your mortgage broker before committing — sometimes the borrowing is genuinely better-priced than a separate loan or unsecured finance.
For heat pumps, the £7,500 Boiler Upgrade Scheme grant is automatic for eligible homeowners — we apply on your behalf and deduct it from the quote. For lower-income households, ECO4, Home Upgrade Grant and Warm Homes Local Grant can fund significant portions of solar, insulation and heat-pump installs. We check eligibility for every survey at no cost.
Commercial customers
Standard route for cash-rich businesses. Pay capital up front; claim the full Annual Investment Allowance (£1m AIA threshold) plus capital allowances on any balance. For a limited company at 25% Corporation Tax rate, this drops effective net cost by ~25% in year one. Best long-term ROI.
Spread cap-ex over 5-10 years at fixed monthly rate. Typically structured so monthly payment is below monthly energy savings — the install is cash-flow positive from month one. We work with three asset finance partners and can structure a quote inside a week.
Zero up-front cost. A third party owns the array on your roof and sells you the generated electricity at a fixed per-kWh rate below your retail price, typically with 1-3% annual escalator over 20-25 years. Strongest fit for large installs (200kW+) on stable long-tenure sites. We arrange the PPA with vetted partners.
For schools, NHS estates, councils and housing associations, PSDS Phase 4 funds up to 100% of capital cost for qualifying heat pump + supporting renewables projects. Annual application rounds; we scope and prepare bids alongside the design package. Bid-to-handover timescale typically 9-15 months.
How to choose
The honest decision tree for most customers:
We talk customers through their specific situation as part of every survey — no commission on finance referrals, no high-pressure sales of expensive products. Where cash isn't the right answer, we'll honestly say which alternative fits.
Our accreditations
MCS Certified
NAPM47760
Heat pumps & solar
NICEIC Approved
D124458
Electrical contractor
Gas Safe Register
947841
Gas appliances
Heat Geek Trained
Heat pump design specialists
TrustMark
Government endorsed
Quality scheme
SafeContractor
Approved
H&S accredited
ISO 9001
2015
Quality management
ISO 14001
2015
Environmental management
ISO 45001
2018
OH&S management
PAS 2030
:2019
Retrofit standard
NAPIT
Member
Electrical inspection
F-Gas Certified
Air conditioning refrigerant
MCS Certified
NAPM47760
Heat pumps & solar
NICEIC Approved
D124458
Electrical contractor
Gas Safe Register
947841
Gas appliances
Heat Geek Trained
Heat pump design specialists
TrustMark
Government endorsed
Quality scheme
SafeContractor
Approved
H&S accredited
ISO 9001
2015
Quality management
ISO 14001
2015
Environmental management
ISO 45001
2018
OH&S management
PAS 2030
:2019
Retrofit standard
NAPIT
Member
Electrical inspection
F-Gas Certified
Air conditioning refrigerant
Every accreditation listed is independently verified. We carry the registration numbers — ask for any on request.
We'll model your install both ways — cash + 0% finance / mortgage top-up — so you can see the actual cost in your hands.
Emma from Hartlepool