Find out how it works and read answers to common questions.
Warm Homes Loan Scheme
The Government’s Warm Homes Loan Scheme helps eligible customers spread the cost of energy-saving home improvements.
This is a loan, not a grant, so you’ll need to repay what you borrow. Secure Trust Bank is taking part through V12 Retail Finance.
You’ll apply through a participating retailer or installer as part of arranging your home improvements, rather than directly with us.
You can search for retailers in the V12 app, but a listing doesn’t mean they offer the scheme. Always check with the retailer directly.
Common questions
Secure Trust Bank is a participating lender in the Warm Homes Loan Scheme.
Customers will apply through V12 Retail Finance’s participating retailers or installers.
No. You’ll need to apply through a participating retailer or installer offering the scheme through V12, not directly with Secure Trust Bank.
Yes, through participating V12 retailers or installers, not through either website or the app.
You can search for retailers in the V12 app, but a listing doesn’t mean they offer the scheme. Check with the retailer directly.
Product details and eligibility will be explained by a participating retailer or installer.
All applications will be subject to status, credit checks and affordability assessments.
Visit GOV.UK for the Government’s overview, eligibility information and guidance on how the scheme works.