How Homeowners Get Solar Without Paying Interest
Many homeowners are now searching for interest-free solar panels in the UK as energy prices continue to rise and renewable technology becomes more accessible.
There are now several ways homeowners may be able to install solar panels with 0% finance packages, including through installer finance packages, mortgage provider lending, or new government-supported energy schemes.
These options can allow homeowners to spread the cost of installing solar panels without paying interest on the borrowing.
At Impact Services, we focus on designing the right solar system for your property and helping you understand the most cost-effective way to install solar panels, including the funding options that may be available to you.
The first step is a quick survey of your property so we can calculate the correct system size, expected energy generation and potential savings.
Can you get interest-free solar panels in the UK?
Yes, in some cases it is possible to install solar panels using interest-free borrowing or funding schemes.
In recent years, lenders and government programmes have started supporting home energy improvements to help reduce household energy bills and support the UK’s transition to renewable energy.
Many homeowners now install solar panels using:
- mortgage provider green loans
- government-supported energy schemes
- local authority retrofit funding
- energy efficiency financing
The options available depend on your home, energy usage and the type of solar system required.
Ways to Get Interest-Free Solar Panels
1. Green Mortgage Borrowing
Some mortgage providers like Nationwide allow homeowners to borrow additional funds for energy-efficient upgrades, sometimes at very low or even 0% interest.
This type of borrowing can often be used for improvements such as:
- solar panels
- battery storage systems
- insulation upgrades
- heat pumps
Because the borrowing is tied to your mortgage, the cost can sometimes be spread over a longer period while the solar system begins reducing your electricity bills.
2. Government Renewable Energy Schemes
The UK government continues to introduce initiatives aimed at helping homeowners improve energy efficiency and reduce carbon emissions.
Some programmes are designed to support installations such as:
- solar panels
- battery storage
- heat pumps
- insulation improvements
Certain schemes may provide interest-free loans or subsidised installations, depending on eligibility and regional availability.
These schemes are expected to expand as the UK works towards its net-zero energy targets.
3. Local Authority Energy Funding
Some councils and regional energy programmes provide funding for renewable energy and home energy improvements.
These schemes may support:
- solar panel installations
- home energy upgrades
- retrofit projects
Availability varies by location and property eligibility, which is why homeowners usually need a property assessment before applying.
How Much Do Solar Panels Cost?
The cost of solar panels varies depending on the size of the system and the characteristics of the property. Factors such as roof size, orientation, shading and energy usage all influence the final system design and price.
Typical installation costs for UK homes are approximately:
Small home system £5,000 – £6,500
Average home system £6,500 – £8,500
Larger system with battery £9,000 – £14,000
These figures are only general estimates. The exact system required for your home depends on several important factors, including:
- roof direction and available space
- shading from nearby buildings or trees
- household electricity usage
Because every property is different, the most accurate way to understand the cost and potential savings is through a solar survey.
A survey allows our team to calculate:
- the ideal system size for your roof
- expected annual electricity generation
- installation costs and potential savings
This ensures the system is properly designed to maximise savings and long-term performance.
Find Out the Cost of Solar for Your Home
If you’re exploring interest-free solar panels or funding options, the best place to start is understanding what solar system your property needs.
Our team can assess your roof, estimate the potential savings and explain the available options for installing solar panels on your home.
Request your free solar survey to find out how much you could save.
Frequently Asked Questions
Can I add solar panels to my mortgage?
Some mortgage providers offer green lending products that allow homeowners to borrow funds for energy-efficient upgrades such as solar panels. The availability of these products depends on the lender and mortgage terms.
Are interest-free solar panels available in the UK?
True 0% solar finance from installers is rare today, but homeowners may still be able to access interest-free funding through mortgage products, government schemes, or energy efficiency programmes.
Are solar panels worth it in the UK?
For many households, solar panels can significantly reduce electricity bills and provide long-term savings, especially when combined with battery storage and smart export tariffs.
How long do solar panels take to pay for themselves?
Most residential solar systems in the UK typically pay for themselves within 6–10 years, depending on system size, electricity usage and energy prices.