H&R Energy Solutions · Finance through Phoenix Financial Consultants
Phoenix Finance: spread the cost of your home energy upgrade
Pay for an air source heat pump, solar panels, a battery or insulation in monthly instalments with a loan arranged through Phoenix Financial Consultants. Phoenix is an FCA-authorised credit broker that searches a panel of lenders for you, for homes across Scotland, England and Wales.
- Apply online from your quote
- Repayments usually start after the work is done
- Pay off early at any time
Finance is subject to status and credit checks, for UK residents aged 18 and over. H&R Energy Solutions Ltd is an Introducer Appointed Representative of Phoenix Financial Consultants Limited, a credit broker, not a lender. Borrowing more than you can afford or paying late may affect your ability to get credit.
Get a quote with finance options
Free, no obligation, and takes about a minute.
Accredited & assured
Trusted Standards. Professional Delivery.
H&R Energy Solutions works to recognised UK industry standards for heat pump installation, insulation, quality management and safe project delivery. Whether you pay upfront or spread the cost with finance, our accreditations give homeowners confidence in how every project is surveyed, managed and installed.
- MCS certified for air source heat pump installation
- TrustMark and PAS 2030 recognised installation standards
- ISO 9001, 14001 and 45001 certified management systems
- Finance options through Phoenix Financial Consultants
Accreditations, memberships & awards
Swipe, drag or tap any logo to view it larger.
See full details of every certificate on our accreditations page.
What is Phoenix Finance?
How Phoenix Finance works
Phoenix Financial Consultants is a credit broker authorised and regulated by the Financial Conduct Authority. It doesn’t lend money itself. It looks across a panel of lenders to find a home improvement loan for your installation, which you then repay in fixed monthly amounts.
Phoenix
Takes your online application and introduces you to a lender from its panel. Phoenix is a credit broker, not a lender.
The lender
Checks your application and credit file, makes the decision, and sends you a loan agreement to sign.
H&R Energy Solutions
Surveys your home, applies any grants you qualify for, sends your quote with a finance link, and installs your system.
What you can finance
Finance for heat pumps, solar and insulation
A Phoenix loan can cover the energy upgrades we install, on their own or together. You can borrow the full amount, or pay a deposit to borrow less.
Air source heat pumps
Spread the cost of the balance after your Home Energy Scotland or Boiler Upgrade Scheme grant.
Solar panels
Start cutting your electricity bills now and pay for your panels monthly.
Home batteries
Add battery storage with new panels, or to the solar you already have.
Insulation and more
Insulation and other energy-saving work that we quote and install for you.
Home Energy Scotland grant and loan first
Up to £7,500 grant towards a heat pump, plus an optional interest-free loan. We check this funding first, so Phoenix finance only covers what is left, if anything.
Home Energy Scotland grantBoiler Upgrade Scheme grant first
£7,500 off an air source heat pump, or £9,000 when replacing oil or LPG until 31 March 2027. The grant comes off your quote, then you can finance the balance.
Boiler Upgrade Scheme grantYour options
Pay upfront or spread the cost
Every quote shows the full price first, with any grant taken off. You then choose whether to pay upfront or apply for finance through Phoenix.
Grant off first, then finance the balance
Many homes qualify for a heat pump grant. We apply it to your quote before you decide how to pay what is left.
Get a heat pump quoteStart saving now, pay monthly
Solar panels and batteries are VAT-free when installed until 31 March 2027. Finance lets you start cutting your bills without paying the full cost upfront.
Get a solar quoteEligibility
Who can apply for Phoenix Finance?
All finance is subject to status. The lender decides, based on your circumstances and ability to repay.
You can apply if
- You are aged 18 or over and live in the UK
- You own the property, or the owner agrees to the work
- The property is in Scotland, England or Wales
- You can show your income and address history for the last 3 years
- You can afford the monthly repayments
Not available for
- Properties in Northern Ireland, where we don’t install
- Tenants without the owner’s agreement
- Applications that don’t pass the lender’s credit and affordability checks
Think about affordability. Borrowing more than you can afford or paying late may affect your financial status and your ability to get credit.
How to apply
How to apply for Phoenix Finance, step by step
We handle the survey, grant and installation. You apply for the loan online with the link in your quote.
- 1
Request your quote You
Answer three quick questions in our form, or call us on 0141 739 3923.
- 2
Free survey and fixed quote H&R
We survey your home, apply any grant you qualify for, and email your quote with a link to apply for finance.
- 3
Apply online Phoenix
Complete the short application. You can choose a deposit to borrow less, and see how it changes your repayments.
- 4
Lender decision Lender
The lender checks your finances and credit file. Approval isn’t guaranteed.
- 5
Sign your agreement You
Read and sign your loan agreement online. You then have 14 days to withdraw for any reason.
- 6
Installation H&R
We book your installation date and fit your system.
- 7
Monthly repayments You
Repayments are taken by Direct Debit, usually starting about 30 days after the work is complete.
Why choose H&R
Energy upgrades with flexible finance
We make the numbers clear: the full price, the grant, and what is left to pay, before you decide whether to use finance.
Free survey and fixed quote
You see the full price and any grant before you decide how to pay.
Grants applied first
We check Home Energy Scotland or Boiler Upgrade Scheme funding, so you only finance what is left.
MCS-certified installation
Our own team installs to MCS standards, which grants and export payments require.
Finance link with your quote
Apply online when it suits you. There is no obligation to use finance.
Quote with finance options
Heat pumps, solar, batteries and insulationOne quote showing the price, any grant taken off, and a link to apply for finance through Phoenix.
We don’t give financial advice. Decide whether a loan is right for you, and think about whether you can afford the repayments.
FAQs
Phoenix Finance: frequently asked questions
Straight answers on applying, repayments and using finance with a grant.
Still have a question?
Our team can talk you through your quote and payment options.
Call 0141 739 3923 Or request your quote onlinePhoenix Financial Consultants Limited is a credit broker authorised and regulated by the Financial Conduct Authority (FRN 539195). It isn’t a lender. It introduces you to a loan from its panel of lenders to help you pay for home improvements.
The energy upgrades we install, including air source heat pumps, solar panels, home batteries and insulation. You can finance one upgrade or several together.
Yes. Any Boiler Upgrade Scheme or Home Energy Scotland grant comes off your quote first, so you only finance the balance. In Scotland, we also check whether the Home Energy Scotland interest-free loan can cover the cost.
Yes. We can offer finance through Phoenix for homes in Scotland, England and Wales. We don’t currently install in Northern Ireland.
Usually not. You can borrow the full amount, or choose to pay a deposit to reduce what you borrow. Any deposit is paid to us, not to the lender.
After your survey, we email your quote with a link to apply online. The application asks about your address history, employment, income and outgoings.
Before deciding, the lender may carry out a hard search of your credit file, which leaves a record on it. Approval isn’t guaranteed.
Repayments are taken by Direct Debit each month, usually starting about 30 days after your installation is complete.
Yes. You can overpay or settle your loan at any time. Contact your lender for a settlement figure. Paying early reduces the interest you pay.
Yes. You can withdraw from the loan agreement within 14 days of signing, for any reason, by contacting the lender. If any work has already been done, you would still need to pay for it another way.
No. H&R Energy Solutions Ltd is an Introducer Appointed Representative of Phoenix Financial Consultants Limited. We introduce you to Phoenix, which introduces you to a lender. We don’t give financial advice, and you can always pay upfront instead.
Contact your lender about your agreement and repayments. For questions about Phoenix, call 01923 333 256 or email info@phoenix-fc.co.uk, Monday to Friday, 9am to 5pm.
Get started
Get your quote with finance options
Request your free survey in about a minute. No obligation to use finance.
- Free survey
- Grants applied first
- MCS certified
Questions about Phoenix? Call 01923 333 256 or visit phoenix-fc.co.uk.
Important information about finance: H&R Energy Solutions Ltd is an Introducer Appointed Representative of Phoenix Financial Consultants Limited, which is authorised and regulated by the Financial Conduct Authority (Financial Services Register no. 539195). Phoenix acts as a credit broker, not a lender, and introduces loans from a panel of lenders. We don’t give financial advice. We may receive a commission for introductions.
All finance is subject to status and credit checks, and is available to UK residents aged 18 and over. Borrowing more than you can afford or paying late may adversely affect your financial status and ability to obtain credit. Phoenix Financial Consultants Limited is registered in England and Wales, company number 07436334, trading from Unit 8, Abbots Business Park, Primrose Hill, Kings Langley, Hertfordshire WD4 8FR.
If you have a complaint, contact Phoenix first. If it can’t be resolved, you may be able to refer it to the Financial Ombudsman Service on 0800 023 4567. Grant details are set by Home Energy Scotland and Ofgem and can change. Information last checked October 2026.