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CarbonFree Finance technology guides UK homeowners through understanding and financing clean energy upgrades like solar, batteries, and heat pumps

By CarbonFree Team. Published 2025-12-17. Last updated 2026-10-21.

CarbonFree Finance launches to improve trust, accuracy and affordability in home energy upgrades

London / Marlow, UK : 2nd February 2026  - CarbonFree Finance has launched with a clear objective: to help UK homeowners, installers and local authorities access accurate personalised savings forecasts along with expert financial advice.

The launch comes in the wake of the Government’s Warm Homes initiative, which has brought renewed momentum to solar, battery storage, heat pumps and wider home energy improvements. While demand for these technologies is strong, conversion remains inconsistent, with many households failing to progress from enquiry to installation.

CarbonFree Finance provides state of the art digital twin modelling of homes and exposes where mortgage or remortgage can bring an immediate monthly cashflow benefit for soalar, battery, EV charging and Heat Pump installation.

Addressing a trust and accuracy gap

Despite strong consumer interest, independent research shows that many homeowners remain sceptical about solar and retrofit savings claims, and uncertain about affordability.

Public UK surveys consistently point to this tension. Research for the Energy Saving Trust found that around 61% of people have concerns about the trustworthiness of solar installation offers and the savings figures presented, reflecting widespread scepticism about projections. At the same time, studies by Which? and others suggest that around six in ten homeowners say they would consider installing solar panels in the future, indicating that interest is high but fragile.

Cost remains the other major barrier. Energy Saving Trust and YouGov polling shows that around 44% of households cite upfront cost as a reason for not installing solar, while many others say it is not currently affordable within their monthly budget. Together, these findings show that demand is not the problem; confidence and affordability are.

Estimates are often based on simplified assumptions that fail to reflect how people actually live, such as when electricity is used, how heating is operated, or whether electric vehicles are involved. When projections feel disconnected from reality, trust erodes quickly and many households choose not to proceed.

CarbonFree Finance focuses on addressing this gap by using behaviour-led energy modelling. Where data is available, this reflects realistic consumption patterns, tariff structures and interactions between technologies over a full year, rather than relying on simplified averages.

The aim is not to promise outcomes, but to provide clearer, more believable forecasts that homeowners can understand and trust.

Trusting the outcomes, understanding the affordability

For most households, the first question is not long-term return. It is whether a change will fit within a monthly budget.

Energy upgrades may deliver strong lifetime value, but if the near-term affordability is unclear or uncomfortable, households understandably hesitate. This is where many otherwise sensible projects stall.

CarbonFree Finance separates two ideas that are often blurred together: trust in the outcome and affordability in the present.

Trust comes from showing realistic, household-specific energy outcomes. Affordability comes from structuring finance in a way that aligns with how people actually manage their money month to month.

Most domestic solar and battery installations in the UK are still funded through short-term, unsecured credit. While familiar, these products often result in higher monthly payments, shorter repayment periods and tighter borrowing limits. For many households, that makes upgrades feel risky, even when the long-term economics are sound.

Mortgage-based funding can change that picture for some homeowners. By spreading costs over longer periods and aligning repayments with the lifespan of the assets, it can reduce monthly pressure and make decisions feel manageable.

At the same time, energy upgrades also have characteristics of long-term investments. They can lower running costs over many years and increasingly contribute to property value. The challenge is allowing households to benefit from those long-term advantages without losing sight of immediate affordability.

Between now and the end of the decade, millions of households will review their mortgage as fixed-rate deals come to an end. This is often the moment when budgets, borrowing and future plans are reassessed together.

Yet energy upgrades and mortgage decisions are usually handled in separate journeys. The opportunity to consider both at the same time is frequently missed.

Bringing evidence and advice together

CarbonFree Finance does not provide mortgage advice through software. Instead, it works alongside authorised advisers and mortgage providers, using energy modelling as an input into regulated conversations where appropriate and with customer consent.

This approach allows energy upgrades to be considered at the same time as remortgaging or capital‑raising decisions, helping households understand how improvements may affect monthly costs, long‑term affordability and property value.

“Too many homeowners are shown generic savings figures that don’t reflect how they really live and financing options that are unaffordable,” said Mike Potter, founder of CarbonFree Finance. Potter previously founded DriveElectric, the UK’s first dedicated EV leasing company, which he exited last year, and has played a leading role in UK research into smart charging and vehicle-to-grid (V2G) in domestic settings. “When projections feel unrealistic, trust breaks down and people walk away and they need to see reduction in monthly outgoings form month one, not in 3-5 years time.”

Working in partnership

The company is launching with a collaborative model, designed to support organisations already active in the sector.

Installers benefit from clearer, more personalised customer understanding and reduced drop‑out. Local authorities can improve engagement and delivery within Warm Homes and retrofit programmes. Mortgage providers gain a structured way to engage with energy improvements within existing regulatory frameworks.

For homeowners, the result is fewer bold claims, fewer surprises, and decisions that feel grounded in evidence rather than averages.

About CarbonFree Finance

CarbonFree Finance helps UK homeowners understand, model and finance clean‑energy upgrades, including solar panels, battery storage, heat pumps and EV charging. By combining behaviour‑led energy modelling with access to qualified financial advice through authorised partners, the company aims to improve trust, affordability and conversion in the home energy market.

For more information, visit www.carbonfree.finance.

*Notes to editors:*

Energy modelling provided by CarbonFree Finance is informational and does not constitute financial advice. Mortgage and lending advice is provided only by authorised advisers, subject to eligibility and lender criteria.