H&R Energy Solutions · Finance for home energy upgrades
Spread the cost of your home energy upgrade
Heat pumps, solar panels, batteries and insulation are often best paid for in stages. Grants come off first, and finance covers the balance in monthly payments. Which finance you can use depends on where you live, so start with your country.
- Grants come off your quote before finance
- Free survey, no obligation
- We check every grant you qualify for first
Finance is subject to status and credit checks. H&R Energy Solutions Ltd is an Introducer Appointed Representative and is not a lender. Phoenix Finance is arranged through Phoenix Financial Consultants Ltd, an FCA-authorised credit broker. The Hometree Solar Plan is provided by HTG Finance Ltd.
What finance can I use where I live?
Choose your country to see your options.
Your finance options in Scotland
Phoenix FinanceA loan from a panel of lenders for any upgrade we install, after grants are applied.View → Home Energy Scotland LoanAn optional 0% interest loan on top of the Home Energy Scotland grant.View →Not sure which suits you? Call us on 0141 739 3923 for a free, no-obligation chat.
Your finance options in England & Wales
Hometree Solar PlanSolar panels and batteries from £0 upfront, paid over 5 to 25 years, with repairs included.View → Boiler Upgrade Scheme£7,500 off a heat pump, never repaid.View →We don’t currently offer monthly finance for heat pumps in England or Wales. Call us on 0141 739 3923 to talk through the options.
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. Every finance route on this page is arranged through a regulated partner, and 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
- MCS certified and TrustMark registered, as installer partners require
Accreditations, memberships & awards
Swipe, drag or tap any logo to view it larger.
See full details of every certificate on our accreditations page.
Your options
Three ways to pay for your upgrade
Most homeowners use more than one. A grant usually comes first, then finance covers the rest. Which routes you can use depends on where your home is.
Phoenix Finance
Scotland. A loan from a panel of lenders, arranged through an FCA-authorised credit broker. Spread any upgrade we install into monthly payments.
Hometree Solar Plan
England and Wales. Solar panels and batteries from £0 upfront, paid over 5 to 25 years, with repairs included for the length of the plan.
Interest-free loan
Scotland only. Home Energy Scotland can add an optional 0% loan on top of your grant, to cover the balance.
Where you live
The finance you can use depends on your country
Phoenix Finance is offered by H&R Energy Solutions in Scotland only. The Hometree Solar Plan covers England and Wales. We don’t currently install in Northern Ireland.
Scotland
Phoenix Finance and Home Energy Scotland
Scotland has the widest choice. Grants and an optional 0% loan can come first, with Phoenix Finance for whatever is left.
- Phoenix FinanceA loan from a panel of lenders for any upgrade, subject to status.
- Home Energy Scotland loanAn optional 0% interest loan on top of the grant.
- Home Energy Scotland grantUp to £7,500 towards a heat pump, never repaid.
England & Wales
Hometree Solar Plan and the Boiler Upgrade Scheme
For solar panels and batteries, the Hometree Solar Plan spreads the cost from £0 upfront. For heat pumps, the Boiler Upgrade Scheme grant comes first, and we will talk through the rest with you.
- Hometree Solar PlanSolar panels and batteries from £0 upfront, over 5 to 25 years.
- Boiler Upgrade Scheme£7,500 off a heat pump, or £9,000 replacing oil or LPG.
Not sure, or in Northern Ireland? Call us on 0141 739 3923 and we will tell you honestly what is available for your home.
Side by side
Finance and payment options compared
A quick summary of every route we offer, so you can see which ones apply to your home.
Checked October 2026
Ways to pay the balance
Scotland, England and Wales| Route | Where | Covers | Repayments | Credit check |
|---|---|---|---|---|
| Phoenix FinanceLoan from a panel of lenders | Scotland | Heat pumps, solar, batteries and insulation | Monthly, usually starting after the work is done | Yes, subject to status |
| Hometree Solar PlanPlan from £0 upfront | England and Wales | Solar panels and batteries | Monthly over 5 to 25 years, repairs included | Yes, subject to status |
| Home Energy Scotland loanOptional, on top of the grant | Scotland | The balance after the grant | Interest-free, repaid over several years | Yes, with an affordability check |
| Boiler Upgrade SchemeA grant, not finance | England and Wales | Air source and ground source heat pumps | Nothing to repay | No |
Finance is subject to status and credit checks. Terms, repayments and eligibility are confirmed in your quote before you decide.
How it works
From survey to repayments, step by step
You don’t need to decide on finance before you know your grant. We work it out together, at no cost to you.
- 1
Free survey and funding check H&R
We visit, measure up and check every grant your home qualifies for. There is no charge and no obligation.
- 2
A quote with grants and finance shown H&R
The quote shows the full price, the grant taken off, and the balance to finance.
- 3
Choose your finance You
Applying is optional, and you can change your mind before you sign.
- 4
Application and approval Both
Finance is subject to status and credit checks. Phoenix arranges its loan through a panel of lenders, and Hometree is provided by HTG Finance Ltd.
- 5
We install and certify H&R
Our MCS-certified team installs your system. For Phoenix Finance, repayments usually start after the work is done.
Eligibility
Who can apply, route by route
Every application is checked for status and affordability. These are the main rules, and your quote will confirm what applies to you.
Phoenix Finance
Scotland only, arranged through a panel of lenders
- You are aged 18 or over
- Your home is in Scotland
- You own the property, or the owner agrees to the work
- You can show income and address history for the last 3 years
- You can afford the monthly repayments
- Tenants without the owner’s agreement
- Homes outside Scotland
Hometree Solar Plan
England and Wales, for solar panels and batteries
- Homeowners and private landlords
- Solar panels and batteries installed by us
- Subject to status and credit checks
- Heat pumps on monthly finance
- Homes in Scotland or Northern Ireland
Being straight with you
What finance won’t do
Finance is a useful tool, but it has limits. Here is what it doesn’t cover, and what to do instead.
No finance in Northern Ireland
We don’t currently install in Northern Ireland, so neither route is offered there.
Call to talk through optionsMonthly finance for heat pumps in England and Wales
The Solar Plan covers solar and batteries. For heat pumps, the Boiler Upgrade Scheme grant is the starting point, and we will talk through the rest with you.
See the Boiler Upgrade SchemePhoenix Finance outside Scotland
H&R Energy Solutions offers Phoenix Finance to homes in Scotland only.
Call about other optionsFinance without a credit check
Finance is always subject to status and credit checks, so approval is never guaranteed.
Call to talk it throughFinance for a tenant alone
The property owner has to agree to the work, and the application needs their details too.
Call to talk it throughWork before finance is approved
Don’t start work until your grant and any finance are confirmed in writing.
Check grants firstOther routes
Pay less before you borrow anything
Every grant you qualify for reduces what you need to finance. Check these first.
Government grants
Money off your installation that you never repay. Grants come off first, so you may need less finance.
See government grantsGrants and finance hub
A side-by-side view of the grants and finance open to you, with the three-question check.
Open the hubTalk to us
Not sure what suits you? Tell us your postcode and what you want to upgrade, and we will talk you through it.
Call 0141 739 3923FAQs
Finance: common questions
The questions homeowners ask us most about paying for an upgrade over time.
Still have a question?
Tell us about your home and we will explain exactly what finance you can use.
Call 0141 739 3923 Or check your grants and financeIn Scotland, you can use Phoenix Finance for any upgrade we install, and add the Home Energy Scotland 0% loan alongside the grant. In England and Wales, the Hometree Solar Plan covers solar panels and batteries from £0 upfront. For heat pumps in England and Wales we don’t currently offer monthly finance, so the Boiler Upgrade Scheme grant is the route to look at first. We don’t currently install in Northern Ireland.
Yes, and most customers do. The grant comes off your quote first, so finance only covers what is left. That means you borrow less and pay less interest.
Yes. Finance is subject to status and credit checks, so approval is never guaranteed.
The Hometree Solar Plan spreads the cost of solar panels and batteries over 5 to 25 years, from £0 upfront. Repairs, monitoring and inspections are included for the length of the plan. It is provided by HTG Finance Ltd and is available in England and Wales only.
Phoenix Financial Consultants is an FCA-authorised credit broker. It searches a panel of lenders to find a home improvement loan for your installation, which you then repay in fixed monthly instalments. Phoenix doesn’t lend money itself. H&R Energy Solutions offers Phoenix Finance to homes in Scotland only.
With Phoenix Finance, repayments usually start after the work is done. Your quote will show the full terms before you decide, including the total you would repay.
With Phoenix Finance you have 14 days to cancel after agreeing the loan, and you can pay off early at any time. Check the full terms in your quote before you sign, or call us on 0141 739 3923 if you have questions.
Not always. Homeowners and private landlords can apply for the Hometree Solar Plan in England and Wales. Phoenix Finance in Scotland is available to homeowners, or to anyone whose landlord agrees to the work.
We will talk you through the reasons and any other options, so you can still get the upgrade. A decline doesn’t affect any grant you qualify for.
Next step
Find the finance that fits your home
Start with your country. One free survey shows the grants and finance you qualify for, with no obligation.
- Free survey
- Grants applied for you
- MCS certified
Prefer to talk it through? Call 0141 739 3923, or see grants and finance.
Important: H&R Energy Solutions Ltd is an Introducer Appointed Representative and an independent MCS-certified installer. We are not a lender and do not give financial advice. Finance is subject to status and credit checks. Phoenix Finance is arranged through Phoenix Financial Consultants Ltd, an FCA-authorised credit broker, and is offered by us in Scotland only. The Hometree Solar Plan is provided by HTG Finance Ltd and is offered in England and Wales only. We are not part of Ofgem, Home Energy Scotland or any government. Grants and other figures are set by government and can change. Checked October 2026.