Finance is subject to application, status and finance agreement. Solar Loan Plus system care is optional and costs extra.
Utilita x Hometree Finance
Why choose Hometree Finance?
Flexible solar finance
Switching to solar is cheaper than you think, especially when you pay monthly. Here’s exactly how Hometree Finance can help take the first step towards your new solar install.
Flexible payment options
Choose between £0 deposit options with fixed loan repayments across 5 to 25 years, or pay a percentage of your package up front for cheaper monthly loan repayments and reduced total interest – whatever works for you.
Government-supported finance
These loans are supported by the Warm Homes Loan Scheme, helping to reduce the cost of solar finance. The advertised rate already includes this government support as standard.
Performance monitoring
Hometree keeps an eye on your system remotely, so if something’s not performing as it should, they’ll sort it out. Regular inspections and quick fixes mean your system will run smoothly across your full term.
Optional system care
Add Solar Loan Plus for generation monitoring, covered repairs and eligible post-warranty inverter and battery replacement. Hometree will send you the full details of this optional add-on when you discuss your finance quote.
Flexible payment options
Choose between £0 deposit options with fixed loan repayments across 5 to 25 years, or pay a percentage of your package up front for cheaper monthly loan repayments and reduced total interest – whatever works for you.
Government-supported finance
These loans are supported by the Warm Homes Loan Scheme, helping to reduce the cost of solar finance. The advertised rate already includes this government support as standard.
Performance monitoring
Hometree keeps an eye on your system remotely, so if something’s not performing as it should, they’ll sort it out. Regular inspections and quick fixes mean your system will run smoothly across your full term.
Optional system care
Add Solar Loan Plus for generation monitoring, covered repairs and eligible post-warranty inverter and battery replacement. Hometree will send you the full details of this optional add-on when you discuss your finance quote.
Solar from £38 a month
The Solar Loan
Choose £0-£1500 deposit options and repayment terms of 5 to 25 years, with fixed monthly loan repayments. Hometree Finance’s Solar Loan is supported by the Warm Homes Loan Scheme, helping to reduce the cost of finance.
How does the Solar Loan work?
Your Solar Loan funds your solar and battery installation, not including any deposit you choose to pay. It lets you spread the cost through fixed monthly loan repayments. System care is not included but can be added with Solar Loan Plus.
Choose from three deposit options: £0 or two higher amounts up to 25% of your quote price. Any deposit is paid to your installer before installation. Your personal finance options will show you the different deposit amounts available to you.
Choose a term from 5 to 25 years. Longer terms lower your monthly repayments, while shorter terms reduce the total interest you pay. Review your repayments alongside your forecast energy savings before deciding. Savings are estimates and may vary.
Yes. Overpayments reduce your outstanding balance and total interest. You can shorten your remaining term or choose to reduce your monthly repayments. You can also repay in full; an early settlement fee of up to 1% of the amount repaid may apply, as set out in your agreement.
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Solar and system care.
From £51 a month.
Solar Loan Plus
Spread the cost of your installation and add ongoing system care with Solar Loan Plus. Get generation monitoring, covered repairs and specified post-warranty replacement benefits for an additional monthly payment.
How does Solar Loan Plus work?
Hometree monitors your generation and local weather to help identify issues, troubleshoot faults and arrange covered repairs. Eligible repairs include callouts, parts, labour and access, with support for eligible manufacturer warranty claims. Your system must stay connected to Wi-Fi for monitoring.
If your inverter or battery fails after its manufacturer warranty ends and cannot be repaired, Hometree will replace one of each under your system care agreement. This is not an unlimited replacement benefit.
Yes, with one month’s notice. Your system care will end, but your loan repayments will continue. If you repay your loan in full, your system care payments and service end automatically.
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Go solar with greater confidence
The warm home loan
From independent forecast checks to installation follow-ups, Hometree gets in touch after installation to check you’re happy with the quality of work carried out at your home.
Independently checked forecasts
EPVS independently validates your system’s energy forecasts and contacts you to check you’re comfortable with the finance. This helps you understand the projections before your installation goes ahead.
No-obligation application
Hometree’s secure online application takes minutes and won’t affect your credit score. Most decisions are instant, and there’s no obligation to proceed once you’re approved.
Satisfaction guarantee
Hometree gets in touch after installation and subsequent visits to check you’re happy with the work carried out at your home. It also reviews installation documents and photos against its standards.
No unexpected rate rises
With fixed interest rates starting from 4.6% APR, your monthly loan repayments stay the same throughout your agreed term. Your rate depends on your chosen loan term and will be confirmed before you decide.
Independently checked forecasts
EPVS independently validates your system’s energy forecasts and contacts you to check you’re comfortable with the finance. This helps you understand the projections before your installation goes ahead.
No-obligation application
Hometree’s secure online application takes minutes and won’t affect your credit score. Most decisions are instant, and there’s no obligation to proceed once you’re approved.
Satisfaction guarantee
Hometree gets in touch after installation and subsequent visits to check you’re happy with the work carried out at your home. It also reviews installation documents and photos against its standards.
No unexpected rate rises
With fixed interest rates starting from 4.6% APR, your monthly loan repayments stay the same throughout your agreed term. Your rate depends on your chosen loan term and will be confirmed before you decide.
Simple steps to solar savings
How does it work?
We make going solar easy, while Hometree sorts the finance. From your quick quote to ongoing peace of mind, here’s how it works:
Step 1
Get a quick quote
Start with our online quick quote tool to get an idea of costs in minutes. It’s fast, easy, and there’s no obligation.
Step 2
Virtual Home Survey
Next, our Home Energy Consultant will assess your property and energy needs to design the perfect system for you. You’ll get all the details, including equipment specs and energy-saving estimates.
Step 3
Apply
Once we’ve sent your quote, you’ll get a link to apply for the Solar Loan. It’s quick, secure, and doesn’t affect your credit score.
Step 4
Install
Our skilled engineers will handle the installation and set up remote monitoring to ensure everything’s running smoothly. We’ll check you’re happy before your monthly payments begin.
Step 5
Relax
Start enjoying the energy your system generates. If you’ve chosen Solar Loan Plus, Hometree provides generation monitoring, covered repairs and specified replacement benefits for added
Step 1
Get a quick quote
Start with our online quick quote tool to get an idea of costs in minutes. It’s fast, easy, and there’s no obligation.
Step 2
Virtual Home Survey
Next, our Home Energy Consultant will assess your property and energy needs to design the perfect system for you. You’ll get all the details, including equipment specs and energy-saving estimates.
Step 3
Apply
Once we’ve sent your quote, you’ll get a link to apply for the Solar Loan. It’s quick, secure, and doesn’t affect your credit score.
Step 4
Install
Our skilled engineers will handle the installation and set up remote monitoring to ensure everything’s running smoothly. We’ll check you’re happy before your monthly payments begin.
Step 5
Relax
Start enjoying the energy your system generates. If you’ve chosen Solar Loan Plus, Hometree provides generation monitoring, covered repairs and specified replacement benefits for added
Get started
Ready to make the switch?
Going solar is easier than ever with Utilita Home and Hometree Finance. Start saving on your energy bills and enjoy the benefits of clean, green power today.
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We're ready when you're ready
Jump start your solar journey and get your panels on your roof faster than ever. Talk to our experts in just 30 minutes.
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FAQs
We know switching to solar is a big decision, so we’ve partnered with Hometree to offer flexible financing and full support every step of the way. Here’s everything you need to know about the Hometree Finance Solar Plan:
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.