How heating finance works in Scotland

Making your enquiry

The first step is simply getting in touch. You can call us on 0141 230 0198, message us on WhatsApp, or fill in the online quote form on this page. We'll ask for your postcode, your current heating setup (for example, a combi boiler, a system boiler with a cylinder, electric heating, or oil), and what you're interested in. You don't need to know exactly what you want — if you're unsure whether a heat pump or a boiler replacement is the right choice, tell us and we'll discuss it with you at the survey.

Our team is based in Dundee and covers mainland Scotland and the islands. When you enquire we'll confirm whether we can arrange a survey in your area and, if so, book a convenient date. Surveys are typically arranged within a few days of your enquiry, depending on your location and availability.

The survey explained

The survey is the most important part of the process because it's how we establish exactly what your property needs. A boiler survey is relatively quick: the surveyor inspects the existing boiler, checks the flue route, the gas supply pipe, the radiators and the controls, and confirms the output required to heat your home and provide hot water. They'll also check whether any upgrades are needed, such as a larger gas pipe, a magnetic system filter, or a system flush.

A heat pump or hybrid survey is more detailed. The surveyor calculates the heat loss of each room — measuring room dimensions, window sizes, wall types, and insulation levels — to determine the total heat output the system must deliver at the coldest expected outside temperature. They inspect the existing radiators to see whether they're large enough to work with a heat pump's lower flow temperatures, or whether upgrades are needed. They assess space for the external heat pump unit (which needs a minimum clearance for airflow), and for a hot water cylinder if one is required. For a hybrid system, they confirm the condition of the existing boiler and whether it can be retained.

The survey is carried out at no cost to you and with no obligation. You're welcome to ask questions during the visit — the surveyor will explain their findings and what they mean for your options.

Receiving your written quote

After the survey, you receive a written quote. The quote itemises the equipment (boiler, heat pump, cylinder, controls), the labour, and any additional works such as radiator upgrades or a system flush. If you've expressed interest in finance, the quote includes the finance options available to you. Loans available, subject to status — this means finance is offered subject to affordability and credit checks, and the specific terms (monthly amount, number of payments, total payable) are confirmed in writing before you agree to anything.

There is no obligation to accept the quote. Take it away, read it carefully, compare it with other quotes if you wish, and decide in your own time. If you have questions about any part of the quote, call us and we'll talk you through it. We would rather you make the right decision for your home than feel rushed.

The installation

If you decide to go ahead, we coordinate the installation with our MCS-certified partner. The installation date is arranged at a time that suits you. For a like-for-like boiler replacement, the work is usually completed within a day: the old boiler is removed, the new one is installed, the system is commissioned and tested, and the engineer registers the boiler with the manufacturer for the warranty. For an air source heat pump or hybrid system, the installation is more involved — the external unit is mounted, the internal components and hot water cylinder are installed, radiators may be upgraded, and the system is commissioned and balanced. This typically takes two to four days depending on the scope.

We remain your point of contact throughout the installation. If you have any concerns, call us rather than dealing with the installer directly, and we'll make sure they're addressed. After the installation is complete, the system is handed over to you with an explanation of how the controls work and what maintenance is needed.