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Best Remortgage for Solar Panels 2026

Remortgaging to fund solar panels releases equity at mortgage rates to cut your energy bills and may unlock cheaper green remortgage deals. This guide covers the best lenders, the payback maths, and the alternatives in 2026.

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Quick Answer: Best Remortgage for Solar Panels in 2026

Most mainstream lenders — Halifax, Nationwide, Santander, Barclays, NatWest — allow remortgaging to fund solar panels as a home improvement, up to 85-90% LTV, at residential rates (4.5-5.5%). If the install improves your EPC, you may also qualify for a green remortgage with a lower rate or cashback. Solar typically pays back over roughly 7-12 years through bill savings, so funding it at a low mortgage rate often makes financial sense. A broker can pair the capital raise with the best green deal.

Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →

How Funding Solar by Remortgage Works

You release equity to pay for the system:

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Gary from London

"Easier Than Expected"

Gary, London
★★★★★
"I kept putting off remortgaging because I thought it would be a massive headache. Honestly, the whole thing was painless — filled in a quick form, got my options, and it was all sorted within weeks. Wish I'd done it sooner."
Katie from London

"Done In No Time"

Katie, London
★★★★★
"Our fixed rate was ending in a month and I was panicking about going onto the SVR. Managed to get everything sorted really quickly and we're now on a much better rate. Saving us about £200 a month."
Janet from Exeter

"So Much Better Off"

Janet, Exeter
★★★★★
"Was a bit nervous about switching as I'd been with the same lender for years. Turns out I was massively overpaying — got a much better deal and the whole process was far easier than I expected."
Lucy from Tamworth

"Happy Saving"

Lucy, Tamworth
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"After having to pay a ridiculous amount due to the interest rate hike, we have now got a more suitable monthly payment, consolidated a loan and have money left for hopefully a loft conversion."

Does the Maths Work? (2026)

FactorTypical position
Install cost (panels + battery)~£5,000-£12,000
Annual bill saving + exportSeveral hundred £/year
Payback period~7-12 years
Cost to fund via mortgageLow (residential rate, possibly green discount)

The key is matching the borrowing to the benefit: funding solar at a low mortgage rate, ideally on a green deal, and considering overpaying so you don't stretch the cost over the full mortgage term. (Figures are illustrative; your usage and tariff drive the real numbers.)

How to Fund Solar Cost-Effectively

To get the best result:

Best Alternatives and Related Options

Related routes for funding solar:

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual rate available will depend on your circumstances. Think carefully before securing other debts against your home.

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Frequently Asked Questions

Yes — most mainstream lenders including Halifax, Nationwide, Santander, Barclays and NatWest allow remortgaging to fund solar panels as a home improvement, up to 85-90% LTV, at residential rates (4.5-5.5%). This is far cheaper than dedicated solar finance or personal loans. If the install improves your EPC rating, you may also qualify for a green remortgage with a discounted rate or cashback. A broker can pair the capital raise with the best green deal.

Often yes — solar typically pays back over roughly 7-12 years through electricity-bill savings and export earnings, and funding it at a low mortgage rate (possibly with a green discount) is much cheaper than solar finance. The key is not stretching an ~£8,000 install over a 25-year mortgage term, so consider overpaying to clear the cost within the panels' payback period. Your usage and tariff drive the exact numbers.

Potentially — if installing solar improves your home's EPC rating, several lenders offer green remortgage products with a discounted rate or cashback as a reward for better energy efficiency. The exact benefit depends on the lender and the EPC improvement achieved. Having an updated EPC documenting the better rating supports your eligibility. A broker can identify green deals you'd qualify for after the install.

It depends on your equity and income. Lenders let you release funds up to a maximum LTV (commonly 85-90%) subject to affordability. A typical solar-plus-battery install costs around £5,000-£12,000, which is usually a modest capital raise well within most homeowners' equity. Releasing this small a sum keeps your LTV barely changed. A broker can confirm your maximum and the cheapest deal at your LTV.

A remortgage is usually far cheaper — residential mortgage rates (4.5-5.5%) are well below typical dedicated solar finance or 'buy now, pay later' deals. The trade-off is that mortgage debt spreads over a long term, so consider overpaying to clear the install within its payback period. If your mortgage deal is mid-term, a further advance or secured loan can fund solar without disturbing your existing rate. Compare with a broker.

Barely, if at all — solar is a small capital raise, so it usually leaves your LTV almost unchanged, and if it improves your EPC you may even access a cheaper green remortgage rate. Any rate impact from the modest extra borrowing is typically minimal, and the energy-bill savings offset it. Release only what the install costs, and a broker can find the best (possibly green) deal at your LTV.

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