Smart Financing for Solar, Battery and EV Energy Upgrades Smart Financing for Energy Upgrades

Plan your solar, battery or EV upgrade with clarity. Spread the cost through FCA-regulated finance, supported by potential 0% VAT on qualifying hardware and manufacturer warranties that typically extend well beyond the finance term - with the figures modelled on your own property before you commit.

This page explains the payment and finance routes available for solar, battery and EV projects, for homeowners who want to understand their options before committing capital. Paying the full amount upfront is one route, but it may not be the only one available to you. Finance is subject to status, eligibility, affordability checks and provider terms, and this page is general information only - not personal financial advice. electricalworks (GThink Ltd) acts as a credit introducer, not a lender; the next step is a consultation to see which route, if any, suits your property and circumstances.

Total Project Funding

Most installers quote panels. We fund programmes. Every line item below - from bespoke engineering design to system certification and SEG registration - is captured in a single, transparent capital allocation. One agreement. One monthly figure. No mid-project surprises.

Tier-1 Hardware

Premium monocrystalline panels, intelligent hybrid inverters and battery storage systems from Tesla, SolarEdge, SMA and Schneider. Every component is specified for long-term yield and reliability - not for price-point convenience.

Fully Funded

Bespoke Engineering & CAD Design

Full 3D roof modelling, half-hourly shade analysis, load-balancing calculations and inverter matching - producing client-approved CAD layouts before a single component is ordered. Your engineering design is included in your funding.

Fully Funded

Scaffolding & Roof Access

Fully compliant access structures, professional scaffolding erection and dismantling, and structural roof assessments for period properties, dormers and multi-storey homes - properly planned, fully insured and included as standard.

Fully Funded

Grid Liaison (G98 & G99)

G98 self-certification or G99 UK Power Networks applications, export limiter specification, DNO liaison and connection validation - every regulatory obligation managed by our engineers on your behalf, on schedule.

Fully Funded

Professional Installation & Labour

Precision installation by experienced renewable energy specialists across Surrey and South West London. Cable management, AC/DC isolation, system commissioning and on-site project management - executed to exacting standards. Done once. Done properly.

Fully Funded

Certification & Handover

Certification handled by appropriately qualified professionals, SEG registration support, monitoring application setup, performance baseline documentation and a full handover pack - your system signed off, monitored and supported from the moment it goes live.

Fully Funded

Flexible Capital Leverage

Three distinct funding pathways - each structured to match how London's most discerning property owners prefer to deploy capital. Whether you elect to preserve full liquidity, optimise monthly cashflow or commit a measured deposit, the complete engineering programme is fully funded. Final terms are subject to eligibility via our FCA-regulated introducer partners.

Option A

Low or No Deposit Routes May Be Available

From £0 upfront

Your capital remains available for other uses. The complete engineering programme - hardware, design, scaffolding, installation and certification - may be funded in its entirety, subject to status, eligibility, affordability checks and provider terms. Any reduction in your energy costs from the new system can be reviewed alongside your payment schedule, though the actual saving depends on system design, usage and tariff.

  • Full project scope: hardware through handover
  • Zero capital outlay may be available at outset, subject to eligibility
  • Subject to eligibility via FCA-regulated partners
Option B

Spread over 2 to 10 Years

2-10 yr terms

Select a repayment horizon that suits how you prefer to manage cashflow. Shorter terms get you to full ownership sooner; longer terms reduce the monthly payment, so a larger share of it can be offset by your bill savings.

  • Terms from 24 to 120 months
  • Payment routes can be reviewed alongside your current electricity spend, subject to eligibility and provider terms
  • Early settlement available without financial penalty
Option C

Deposit + Reduced Monthly Terms

Lowest monthly

A capital contribution at the outset reduces your monthly payment and can shorten the overall finance term. This pathway suits clients who prefer to commit a measured amount of capital upfront in exchange for lower ongoing payments.

  • Bespoke deposit structures negotiated at consultation
  • Materially reduced monthly obligation from month one
  • A faster path to outright ownership of a manufacturer-warranted system

Manufacturer-Backed Hardware, Built to Last

We only specify Tier-1 technology. This is a deliberate policy, not a marketing claim. With manufacturer warranties spanning up to 25 years on certain components, your system carries manufacturer-backed cover for most or all of a typical finance term, and often well beyond it. Performance, savings and payback still depend on system design, property usage, tariff structure and future energy prices - factors we assess and model with you before any system is specified.

Manufacturer Warranties up to 25 Years

SolarEdge inverters carry a 12-year warranty extendable to 25. Premium monocrystalline panels hold a 25-year performance guarantee. Tesla Powerwall batteries carry a 10-year warranty. Every component we specify is backed by the manufacturer's own contractual commitment to performance - not ours alone.

Warranties That Outlast the Finance Term

A typical finance term runs 5 to 10 years. Our hardware warranties run 10 to 25. This means that by the time your final payment is made, the same Tier-1 system - fully owned and still under manufacturer warranty - can continue reducing your energy costs, and in some cases generating export income, for a further decade or more.

Installation Quality Protects Your Warranty

Warranties are only as strong as the installation behind them. Every system we commission is designed and installed in line with relevant UK standards, with certification handled by appropriately qualified professionals where required - helping to preserve your manufacturer warranty and ensure compliance with UK grid regulations for the duration of the system's operational life.

SolaX Power logo
SolarEdge logo
Sigenergy logo
Fox ESS logo
Eurener logo
EcoFlow logo
Connect EV logo
Government-Backed Cost Efficiency

The 0% VAT Advantage

Some residential solar, battery storage and qualifying energy-saving installations may be eligible for 0% VAT, subject to current HMRC rules and confirmation at quotation. Where a project qualifies, this represents a reduction in your total funding requirement, applied at the point of quotation, before finance terms are structured. It is not a rebate you pursue after completion - it is confirmed and built into your quoted price.

0% VAT on qualifying residential solar, battery storage & associated hardware
20% Immediate reduction versus standard-rated supply - built into your quotation at the outset
Day 1 Saving applied at quotation stage - before your finance rate and monthly payments are calculated

Understanding the Numbers Before You Commit

Every pound you pay your energy supplier is spent and gone. A financed solar and battery system works differently: monthly payments go towards owning hardware that also reduces the bill you were already paying. The exact balance between finance payment and bill saving depends on your system size, consumption and tariff - which is why we model your own property's numbers before you commit, rather than relying on generic estimates.

Interactive Savings & Finance Calculator

Monthly Energy Position
£250 £100 - £800
Estimated Solar System Value £15,500 Premium 6kWp array + battery scope
Estimated Finance Payment £195 Fixed monthly allocation
Projected Monthly Savings £20 Vs your current grid spend

Traditional Energy

£250 / month

Solar + Battery

£230 / month

100% grid - sunk cost

  • Finance £195 / month
  • Residual grid £35 / month

Indicative position: an estimated £20 monthly saving against a £15,500 system value, based on the figures above. Actual results depend on your tariff, usage and final system design.

Disclaimer: The figures provided are illustrative examples based on an average 4-bedroom detached home in Surrey or South West London consuming 6,500 kWh annually, installing a 6kWp solar array with battery storage. Actual savings and finance terms depend on personal credit circumstances, exact property orientation, and current energy tariffs. Finance is subject to status, eligibility and affordability checks. We act as a credit introducer, not a lender.

Scenario A - Surrey Detached (South-Facing)

6.5kWp monocrystalline array + 10kWh Tesla Powerwall. 7-year finance term. Illustrative example only: finance payments are structured to sit close to the previous grid spend, with full system ownership from year eight onwards, subject to the agreed terms.

Scenario B - SW London Estate with EV Integration

10kWp array + 15kWh battery storage + 7kW EV charger. Solar-linked EV charging is designed to absorb surplus generation, supporting stronger self-consumption. Actual combined finance and residual grid costs depend on usage, tariff and finance term, and are modelled individually for each property.

Scenario C - Strategic Deposit Structure

20% capital contribution, 5-year term. A reduced monthly allocation that shortens the path to full ownership of a manufacturer-warranted system, while keeping a meaningful share of capital in reserve.

A Private, Frictionless Journey

From your first conversation to the day your system begins generating - a discreet, entirely paperless pathway managed by our team. There are no branch visits, no physical forms and no unnecessary complexity. Four steps. One outcome: a Tier-1 energy system designed around your property and your finances.

Fully Paperless Fast-Track Decision FCA-Regulated Partners Discreet & Confidential
1

Digital Consultation

A confidential video or telephone consultation with our lead engineer. We review your property data, energy consumption and financial objectives - and produce a bespoke system design with a fully itemised proposal.

2

Soft Credit Search

Our FCA-regulated introducer partners conduct a discreet soft credit search to establish eligibility. This is typically designed not to leave a mark on your credit file, subject to the provider's own process and terms. No branch visit required. No paper forms.

3

Eligibility Review

A pre-decision is typically returned within hours of submission, though timing can vary by provider and individual circumstances. Your finance terms are confirmed in writing - and your installation is only scheduled once you are satisfied with the proposal.

4

Bespoke Engineering & Launch

Our engineers complete your installation to exacting standards - scaffolding, roof assessment, precision install, commissioning and full handover. Your system is live, monitored and generating from day one.

Our Finance Partners

electricalworks introduces structured green energy finance through two of the UK's most respected FCA-regulated lending partners. We are a registered credit introducer - not a lender. You engage directly with the partner of your choice, with full pre-contractual transparency, cooling-off rights and no obligation to proceed at any stage.

Ready to see your exact numbers?

Because every property requires a unique engineering design, finance applications are processed only after you receive your exact system quotation.

Request a Bespoke Finance Proposal

Your Financial Questions, Answered

Do I need a deposit to finance a solar installation in Surrey or South West London?
Low or no deposit routes may be available under Option A of our financing structure, subject to status, eligibility, affordability checks and provider terms. Where approved, your complete engineering programme - hardware, design, scaffolding and installation - can be funded in its entirety from day one. For clients who prefer to contribute capital upfront, a bespoke deposit structure can reduce monthly payments and shorten the effective payback period. Your engineer will model both scenarios at consultation with no obligation to proceed.
How does the 0% VAT policy benefit a financed installation?
Some residential solar, battery storage and qualifying energy-saving installations may be eligible for 0% VAT, subject to current HMRC rules and confirmation at quotation. Where a project qualifies, the zero rate applies to the gross project value before any finance is structured, so your financed capital requirement is calculated on that VAT-exempt basis - which can reduce the monthly payment, total cost of borrowing and projected payback period. Eligibility is confirmed and built into your quotation before any finance agreement is arranged.
Is GThink Ltd FCA-authorised? Who actually provides the lending?
GThink Ltd operates as a registered credit introducer and is not itself a lender. All lending is provided exclusively by FCA-authorised partners - currently Hometree and Propensio Finance. You will receive a full pre-contractual information pack outlining your rights, the credit agreement terms and a statutory cooling-off period, as required under UK consumer credit regulations. We maintain complete transparency at every stage.
Does the finance cover everything - scaffolding, design, grid applications and labour?
Yes. Our finance structures are built around the complete engineering programme, not hardware in isolation. Bespoke CAD design, scaffolding and roof access, G98/G99 grid applications, professional installation labour and certification support are all captured within the single financed amount. There are no additional invoices mid-project. One agreement covers everything - from the first engineering drawing to the handover pack.
Are there any hidden fees or unexpected costs during the project?
Our engineering proposals are itemised line-by-line before you commit. Any amendment to scope - which is rare following our detailed pre-survey design process - is agreed in writing and counter-signed before additional work proceeds. The figure you approve at quotation is the figure you are invoiced upon completion.
Can I repay the finance early? Are there penalties?
Early settlement is available and carries no financial penalties under our current partner arrangements. You may partially or fully redeem your finance agreement at any point during the term - for example, following a property sale or a change in financial circumstances. We recommend reviewing the specific settlement provisions in your pre-contractual information document, which is provided before any agreement is signed.
What happens if I sell my property during the finance term?
A Tier-1 solar energy system is a permanent improvement to your property, and one that many buyers view positively alongside other integrated solar, battery and EV infrastructure. In most transactions, the finance agreement is settled from sale proceeds and the system transfers with the property. Your solicitor and our team can advise on the right approach for your specific transaction.
Will applying for finance affect my credit score?
Some providers may offer an initial eligibility check using a soft credit search before a full application, subject to their own process and terms; this is typically designed not to leave a visible mark on your credit file, but the exact approach can vary by provider. A formal credit application - which does generate a visible footprint - is only initiated with your explicit, written consent, after you have received, reviewed and accepted your complete finance proposal. At no stage are you committed to proceeding without your full agreement.