Zero upfront, explained
Using an example home. Run your estimate to see your own numbers.
Run my numbersBreathe finance model
Built from your own estimate: £4,857 a year of modelled savings and income against a £20,000 whole-home package. Once the loan ends, repayments stop but the savings carry on, so your surplus grows faster.
Homeowners, private landlords and business owners
You spread the cost over 5, 7, 10 or 15 years with fixed payments and then own everything outright. That makes sense when you plan to keep the building: you get the asset, the rising property appeal and 100% of the bill savings for the rest of the system's life, plus your agreed trading share. Over 25 years ownership normally beats renting the energy by a wide margin.
Housing associations, councils and large long term contracts
A funder owns and maintains the kit over 20 to 25 years. There is no capital spend and no borrowing on your balance sheet, tenants see cheaper power from day one at around 12p to 17p per kWh, and one contract can cover hundreds of homes. You give up ownership and some lifetime value in exchange for certainty and zero capital.
Package cost
£20,000
Year 1 position
£1,958
Total by year 10
£24,190
25 year total
£126,576
Illustrative repayment £242 a month for 10 years (120 months) at 7.90% APR. Total payable £28,990 on £20,000 financed. At 0.00% inflation the 25 year total would be £92,430.
On these inputs Hybrid HP delivers about 7.3 times the 25 year value of Hybrid PPA.
Indicative 18.5p to 22.5p per kWh
Indicative only and subject to funder approval. Breathe Hybrid PPA rates typically sit between 12p and 17p per kWh depending on system size and contract length.
Illustration only, not a credit offer. APR is illustrative and shown to two decimal places. Credit is subject to status, terms and lender approval. Your repayments are a fixed legal commitment and are not linked to your energy savings, export payments or weather. Savings are bills you avoid, not cash paid to you.
Energy price inflation is an assumption, 0.00% to 5.00% a year, with today's money shown alongside. Figures follow RECC and MCS principles (MIS 3002 solar, MIS 3005-D heat pumps). Solar output typically falls 0.40% to 0.50% a year; an inverter may need replacing around years 10 to 12 (about £1,000 to £1,200) and batteries carry 10 to 15 year warranties. These are not deducted above. 2026 benchmarks: Ofgem cap around 24.5p to 26.5p per kWh with 55p to 60p a day standing charge; Smart Export Guarantee 5p to 15p per kWh.
Breathe Hybrid PPA rates are indicative at 12p to 17p per kWh, depending on system size, on-site use, covenant strength and contract length. No lender, PPA funder or revenue split is confirmed. Commercial buildings are subject to site survey.
