Planning energy-saving improvements for your home?
The Government’s Warm Homes Loan Scheme helps eligible customers spread the cost with a loan that must be repaid, rather than a grant. V12 Retail Finance is supporting Secure Trust Bank’s participation in the scheme. You’ll apply through a participating retailer or installer when arranging eligible improvements.
You cannot apply directly through V12, Secure Trust Bank or the app.
Visit GOV.UK for the Government’s guidance on applying, with links to more information about the scheme and eligibility. The application route through V12 is through participating retailers or installers, not directly with us.
Read the Government's guidance
Explore retailers in the V12 app. Being listed doesn’t mean a retailer offers the scheme. Always check with the retailer directly. You can’t apply for a Warm Homes Loan in the app.
Find out how your retail or installation business could take part with V12.
Managing your agreement should be simple.
The V12 app gives you one place to check your balance, keep track of payments, change your payment date, view documents and send us secure messages when you need support.
Download the V12 app
It is a Government-backed scheme intended to help eligible customers finance energy-saving home improvements. GOV.UK explains how the scheme works and who it's for.
We're supporting Secure Trust Bank's participation through retailers and installers.
No. You'll need to apply through a participating retailer or installer. You can't apply directly through either website or the V12 app.
Yes, through a participating V12 retailer or installer offering the scheme. You'll apply through the retailer or installer, not through our website or app.
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.
A participating retailer or installer will confirm whether your planned improvements and finance product are eligible. You can find general scheme information on GOV.UK.
Yes. GOV.UK states that applicants must pass the lender's credit and affordability assessments. You'll receive product-specific information before you apply.
