Green Homes Wales

Why Go Green with Stellar Energy?

The energy landscape in 2026 is clear: independence is the new luxury. While grid electricity prices remain 35% higher than pre-crisis levels, and standing charges continue to climb, Stellar Energy empowers you to stop renting your power and start owning it.

1. Slash Your Bills by Up to £1,200 Every Year

By installing a bespoke solar and battery system, the average Welsh household can save between £600 and £1,200 annually.

• Daytime: Power your home for free directly from the sun.

• Evening: Use your stored battery power to avoid expensive “peak time” grid rates.

• Sell Back: Earn extra income by selling your surplus energy back to the grid.

2. Add Significant Value to Your Home

In 2026, energy efficiency is a top priority for home buyers. A high EPC rating (A or B) can increase your property’s market value by up to 15%. A home with a Stellar Energy installation isn’t just a “green” house—it’s a future-proofed asset that sells faster and for a premium.

3. Total Energy Security

Global events and wholesale market volatility no longer need to dictate your monthly budget. With your own generation and storage, you are insulated from “price shocks.” You gain peace of mind knowing that while others are worrying about the next price cap, your costs are locked in at zero.

Why the Green Homes Wales Loan is a “No-Brainer”

Most people want to switch to renewables but are held back by the upfront cost. This interest-free loan removes that barrier entirely.

0% Interest = Free Money

In an era of fluctuating interest rates, a 0% APR loan is effectively a subsidy. You are borrowing the government’s money to increase your own wealth. Every pound you save on your energy bill is a pound that stays in your pocket, while the loan is paid off with “yesterday’s” money.

The 6-Month Repayment Holiday

Stellar Energy ensures your system is optimized from day one. With the scheme’s 6-month repayment holiday, you will see your energy bills drop immediately, allowing you to build up savings before you even make your first loan payment.

Guaranteed Quality (PAS 2035)

This isn’t just any loan; it’s a quality-assured pathway. Because the loan requires PAS 2035 compliance, you are guaranteed a “whole-house” approach. No more guesswork or “cowboy” installations—just expert design and oversight from Stellar Energy’s certified team.

The “Stellar” Advantage: Why Choose Us?

At Stellar Energy, we don’t just fit panels; we design ecosystems.

• The Whole-System Approach: We specialize in integrating Solar PV, Battery Storage, and Heat Pumps so they work in perfect harmony.

• Local Expertise: Based in Wales, we understand the specific climate and housing stock of our communities.

• The Grant Experts: We don’t just point you to the loan; we help you stack it with other available funding, like the £7,500 Boiler Upgrade Scheme (BUS) grant, to minimise your total investment.

Our Pro Tip: Start with Solar and a Battery. Use the savings you generate to fund the deposit for a Heat Pump in year two. It’s the fastest way to reach “Net Zero” living without stretching your budget.

Installation & Technology

What is PAS 2035 and why does it matter?

PAS 2035 is the UK’s “gold standard” framework for home energy retrofits. The loan requires all work to be overseen by a qualified Retrofit Coordinator. This protects you by ensuring that any upgrades—like a heat pump or solar system—are technically suitable for your specific house type, preventing issues like damp or poor efficiency.

Can I install more than one technology?

Absolutely. In fact, the “whole-house” approach is encouraged. You could use the loan to install Solar PV and Battery Storage alongside Air Source Heat Pumps to maximize your energy independence.

Will I still get a grant if I take the loan?

In many cases, yes! For example, you can often combine the Green Homes Wales loan with the Boiler Upgrade Scheme (BUS), which provides a £7,500 grant toward a heat pump. This means your loan amount is smaller, and your savings are higher.

Finance & Repayments

How long do I have to pay it back?

The standard term is up to 10 years. However, for more intensive projects (like external wall insulation or full renewable integration), the Development Bank of Wales may offer extended terms to keep your monthly payments low.

What is the “6-month repayment holiday”?

This is a standout feature of the scheme. You won’t have to start making repayments until 6 months after the work is completed. This gives your new Stellar Energy system time to start generating savings, so those savings can effectively help “pay” for the loan installments.

What happens if I sell my house before the loan is paid off?

Typically, the loan would need to be settled upon the sale of the property. However, because the energy upgrades increase the property’s value and EPC rating, most homeowners find that the increased sale price more than covers the remaining loan balance.

Why Choose Stellar Energy for Your Application?

Do you help with the paperwork?

Yes. We know government schemes can feel daunting. Stellar Energy guides you through the technical requirements, connects you with a Retrofit Coordinator, and provides the detailed quotes required by the Development Bank of Wales to approve your funding.

How long does the process take?

Once the scheme applications open, they are processed on a first-come, first-served basis. From initial assessment to installation, the process typically takes 8 to 12 weeks, depending on the complexity of your home’s requirements.

5 Steps to Your Energy Independence

At Stellar Energy, we make the process as seamless as possible. Here is how you go from a high bill to zero interest:

1. Register Your Interest: Fill out our quick form or call us. We’ll verify your basic eligibility for the Welsh Government scheme.

2. Home Assessment: We’ll arrange for a Retrofit Coordinator to visit your home. This is fully funded by the scheme and provides you with a professional roadmap for your home’s energy future.

3. Bespoke Proposal: Based on the assessment, Stellar Energy will design a system (Solar, Battery, or Heat Pump) tailored to your roof and usage. We’ll provide the fixed-price quote you need for your loan application.

4. Loan Approval: You submit your application to the Development Bank of Wales. Once approved, you get a 6-month repayment holiday—meaning you don’t pay a penny until your system is already saving you money.

5. Expert Installation: Our MCS-certified team installs your system to PAS 2035 standards. We handle the commissioning, certification, and show you how to track your savings on your smartphone.

Why 0% Interest Wins: The Financial Breakdown

Based on a typical £10,000 installation for a 3-bedroom home in 2026.

The Stellar Verdict: By choosing the Green Homes Wales loan, you save over £3,200 in interest alone—money that stays in your pocket instead of going to a bank. When you add the £800+ annual energy savings, the system effectively pays for itself.