Flexible payment options to suit you

Hometree Finance’s Solar Loan is available to homeowners installing solar and battery systems in England and Wales who want to spread the cost through monthly repayments and access the Government Warm Home Loan scheme. Finance is subject to application, status and finance agreement. Hometree does not currently offer this finance to landlords.

Choose a repayment term from 5 to 25 years. A longer term lowers your monthly repayments, while a shorter term reduces the total interest you pay. You can also make overpayments or repay your loan early, subject to your agreement.

Once you’ve received your installation quote, we’ll send you a personal link to Hometree Finance’s secure online application. It takes minutes, won’t affect your credit score and lets you explore your available finance options. Most decisions are instant, and there’s no obligation to proceed once approved.

Your equipment will be specified in your personal Utilita proposal, with a system designed around your property and energy usage. You’ll be able to review the proposed equipment, installation costs and forecast energy savings before deciding whether to proceed.

Utilita arranges your installation, with the equipment and work set out in your personal proposal.

If you choose Solar Loan Plus, Hometree Finance provides ongoing system care through its approved partner network. This includes generation monitoring, covered repairs and help with eligible warranty claims. System care covers equipment faults, not routine upkeep, cleaning or damage covered by home insurance.

The Solar Loan is designed for solar and battery installations and is supported by the Warm Homes Loan Scheme, helping to reduce the cost of finance. It has a fixed interest rate and fixed monthly loan repayments, with independent validation of your energy forecasts before installation. Optional Solar Loan Plus system care is available for an additional monthly payment.

Manufacturer warranties usually cover faulty parts, but you may still need to arrange and pay for callouts, labour and access.

Solar Loan Plus adds generation monitoring, fault troubleshooting, covered repairs and support with eligible warranty claims. Covered repairs include callouts, parts, labour and access. If your inverter or battery fails after its warranty ends and cannot be repaired, Hometree will replace one of each under your system care agreement.

There’s no obligation to proceed after your finance application is approved. Hometree also provides a 14-day cooling-off period; check your finance agreement for the terms and how to withdraw.

If you’ve added Solar Loan Plus, you can cancel system care at any time by giving one month’s notice. Cancelling care does not cancel your loan, and your loan repayments will continue.

Once your loan is fully repaid, your loan repayments end. If you have Solar Loan Plus, your system care payments and service also end automatically when the loan is repaid, including if you settle early.

Contact Hometree Finance before moving to discuss your loan and, if applicable, your system care. They can explain the options available under your agreement and provide an early settlement figure if you’re considering repaying the loan.

You can repay your loan early, although an early settlement fee of up to 1% of the amount repaid may apply. Any Solar Loan Plus system care ends automatically when the loan is fully repaid.

Yes. While paying by card means spending a large sum of money in one go, it works out as the cheapest option overall, saving you more money in the long-term.

No. As you’re paying in full, you won’t need a credit check to complete your purchase with either a debit or credit card. Although, if you haven’t already got a credit card and plan on paying that way, you would need to complete a credit check with your credit supplier.

No. Paying by card means the payment process is completed at the point of purchase. Not only will you be free of monthly payments, but you won’t be tied down to lengthy contract terms.

Once we’ve installed your solar panels, you can take advantage of the Smart Export Guarantee (SEG). The government backed scheme allows electricity suppliers to offer a tariff so homeowners can sell the excess electricity they generate back to energy companies.

To apply, you’ll need your MCS certificate and number that’ll be provided when your solar panels are installed. Just print out the application form and return the form by post – or email it to SEG@utilita.co.uk

We won’t be able to work out the exact amount you can save by going solar, but we can give you a pretty good idea. Once you’ve answered a few questions, we’ll have a better idea about about your annual electricity usage (kWh), and this will help us calculate your potential savings as accurately as possible.

Don’t worry if you aren’t sure on your annual usage, we can still give you an estimation, based on average energy usage in the UK. Which of the following options best describes your home?

Low usage:

• You only use energy for a few hours per day
• Your house tends to be empty on weekdays
• You only have 1-2 bedrooms

Medium usage:

• You use high-energy appliances frequently
• Your house often has people home during the day
• You have 3-4 bedrooms

High usage:

• You always use lots of devices at the same time
• Your house is rarely empty
• You have 4+ bedrooms

We understand these options might not directly apply to your home, but they help us understand your rough saving potential for your quick quote.

Based on your answer and the amount of solar panels in your recommended package, we’ll be able to provide a ballpark figure that’ll help you see just how much you could save each month by switching to greener energy!