{
 "id": "warm_homes_loan_scheme",
 "name": "Warm Homes Loan Scheme",
 "category": "schemes",
 "value_num": null,
 "display": "A loan scheme run through private lenders, not a grant. Its gov.uk page is for lenders, and no rate or way for a household to apply is published on it",
 "unit": "scheme status",
 "period_start": "2026-09-17",
 "period_end": null,
 "period_kind": "page_date",
 "deadline": null,
 "source_url": "https://www.gov.uk/government/publications/warm-homes-loan-scheme-apply-to-participate-as-a-lender-phase-1",
 "source_org": "DESNZ",
 "checked_at": "2026-10-24",
 "recheck_by": "2026-11-23",
 "history": [],
 "public_note": "The government's Warm Homes Plan promised low and zero interest loans for solar panels, batteries and heat pumps, and this is the scheme meant to deliver them, through banks and other lenders rather than from the government directly. When we read its gov.uk page it was an invitation to lenders: the first round of lender applications has closed and another is expected later in 2026. There is no rate on it and no way for a household to apply. When it does arrive it is a loan, which you pay back, so it is not a grant. Anyone selling you the government solar loan today should be able to show you where it is on gov.uk.",
 "next": null,
 "url": "https://hearthsum.co.uk/api/warm_homes_loan_scheme.json"
}