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Home Energy Efficiency Programmes for Scotland Loan Scheme

Interest free loans of up to £10,000 for home energy improvements.

What does the scheme offer?

The Scottish Government is making available interest free, unsecured loans of up to £10,000 to householders for installing a variety of measures such as solid wall insulation, double glazing or a new boiler.

What improvements could you make with an interest-free loan?

MeasureMax Loan Value
Solid wall insulation (external and internal)£10,000
Cavity wall insulation£900
Loft insulation (0mm - 270mm)£500
Loft insulation (top-up 120mm - 270mm)£500
Room-in-roof insulation£1,500
Floor insulation (solid floor)£750
Floor insulation (suspended timber)£750
Flat roof insulation£2,500
Boilers - gas, LPG or oil£3,000
Cylinder thermostat£500
Double/triple glazing£4,500
Secondary glazing£500
Fan assisted electric storage heaters£3,500
Warm air units£3,500
Insulated doors£1,000
Waste water heat recovery systems£1,000
Draught proofing£500
High heat retention storage heating systems£7,000
Flue gas heat recovery£500
Hot water tank insulation (uninsulated tank)£500

Who is the scheme for?

The loan scheme is open to owner occupiers and registered private sector landlords in Scotland. The repayment period varies based on the amount you intend to borrow but those taking out higher value loans will be able to pay back over 10 years.

How do I choose an installer?

Work carried out under the scheme must be completed by an installer who is Green Deal certified specifically for the measure you wish to install. You can find a suitable installer via the Green Deal Approved Register.

What is the process?

To make an application, call Home Energy Scotland on 0808 808 2282, who will arrange for an application form to be sent out.

You will need to have a Green Deal Advice Report (GDAR) carried out before you apply because any measures you wish to install must appear on the ‘Recommendations for improvement’ list on the Energy Performance Certificate portion of the GDAR.

Along with your completed form you will need to send a copy of your GDAR and at least one quote for each measure you wish to install – although you are strongly advised to seek at least three quotes, particularly if you are considering installing more expensive measures.

Once your application has been received, the Energy Saving Trust will assess your eligibility including undertaking a credit check on the named applicant. If you are successful, you will be offered a loan. You must not start work until you have received a loan offer.

Is there other support available?

If your property is in council tax band A, B or C, you can also apply for a grant under the Scottish Government’s Cashback scheme.