New boiler?
Or a heat pump?

On total cost of ownership over 10 years, a heat pump on a dedicated tariff (Octopus Cosy, British Gas HomeEnergy) typically lands £2,000-£4,000 cheaper than a like-for-like new gas boiler for a UK 3-bed. On a standard tariff the two run roughly level. Our cost engine gives you specific figures from your EPC + tariff data.

Yes — most qualified installers offer 0% finance over 5 to 10 years on the amount you pay after the £7,500 grant (typically £4,500 to £8,500). Monthly repayments often come in lower than typical boiler finance because you're borrowing less thanks to the grant. Boiler finance is normally 9 to 10% APR over 3 to 5 years for comparison.

On a heat-pump-friendly electricity plan, a typical 3-bed UK home spends £600 to £800 a year running the heat pump vs £700 to £1,000 running a modern gas boiler at 2026 gas prices. Net saving is £100 to £300 a year. Bigger savings on plans like Octopus Cosy that give you a cheap rate for overnight running.

The £7,500 Boiler Upgrade Scheme grant is open to homeowners in England and Wales who are replacing an existing gas, oil, or LPG boiler with a heat pump fitted by a qualified installer. Your energy certificate must have no outstanding notes about loft or cavity-wall insulation. Our check tells you within five minutes whether your home qualifies.

Sometimes — but rarely all of them. Heat pumps run your radiators cooler than a boiler does, so the coldest rooms in the home may need slightly bigger radiators to release the same warmth. A typical 3-bed swap involves 2 to 4 radiators. Your installer sizes each one at the site visit; our pre-survey flags likely candidates from your EPC heat demand.