North East Warm Homes Loan — registrations open
A plain English explainer of what the loan is, what it can be used for and where to check your eligibility. NEEF explains and signposts; applications go directly to Lendology CIC.
Information checked: 10 October 2026. Scheme dates and terms can change, so always confirm the latest position on the official pages below before you act.
The scheme launched and opened registrations on 8 October 2026. Lender applications are scheduled to open on 22 October 2026 — the loan application form is not open today.
The loan is independently delivered by Lendology CIC for eligible owner-occupiers and landlords whose property postcode falls within the North East Mayoral Strategic Authority-area scheme. Check postcode and personal eligibility directly with Lendology, as not all North East postcodes qualify.
Key facts at a glance
£2,000 – £25,000
Loan sizes available under the scheme.
2% fixed interest
Representative 2.2% APR.
Terms up to 10 years
With no early repayment charge.
Owner-occupiers and landlords
With a property postcode eligible under the North East scheme.
A clearer first step
Warm Homes Loan checker
Explore the published scheme in three short steps. This is an information check, not an eligibility assessment or financial advice.
2%
Fixed interest
Representative 2.2% APR
£2k–£25k
Repayable loan
Not a grant
Your answers stay on this page. No credit check, saved postcode or enquiry is created.
Scheme information last checked: 10 October 2026. Registrations opened 8 October; lender applications are scheduled to open 22 October 2026. Confirm current dates and terms with Lendology.
- 1Location
- 2Ownership
- 3Measures
Where is the property?
The postcode is checked for format only. Council areas do not establish scheme eligibility; not every North East postcode qualifies.
NEEF provides impartial information and signposting only, independently of founder private businesses. We are not a lender, broker or financial adviser and do not arrange, approve, guarantee or advise on loan suitability. All finance enquiries and applications go directly to Lendology. Lending is subject to eligibility, affordability and creditworthiness. Loans are typically secured by a title restriction; missed payments may affect your credit rating.
What the loan can help with
Eligible improvements may include insulation, solar PV, home battery storage, heat pumps and glazing, depending on scheme rules. Applicants choose their own contractor and submit quote(s); NEEF does not choose, vet or recommend installers.
What to know before you apply
- This is a repayable loan, not a grant.
- Lending is subject to eligibility, affordability and creditworthiness.
- Loans are typically secured via a title restriction; missed payments may affect your credit rating.
- Check grants and seek independent home energy advice first.
Official information
- Lendology CIC — North East Warm Homes Loan
- North East Combined Authority — warm homes and retrofit support
Where NEEF fits in
NEEF’s role: We explain and signpost. We do not administer, arrange, approve or guarantee loans, or advise on their suitability. All finance enquiries and applications go directly to Lendology. This is independent of NEEF’s paid Funding & Application Support service and of all founder private businesses.
Our proposed commissioned local sessions would explain home energy, warmer homes and support routes in everyday words. See our proposed community approach.