Finance, made friendly
Compare ways to fund a £20,000 domestic package, from cash and part-cash to HP and proposed funded programmes. Modelled savings and eligible income may cover repayments, but the numbers and your contract must support that outcome. Commercial pricing is subject to site survey.
Using an example home. Run your estimate to see your own numbers.
Hybrid HP APR
7.90% example
Adjustable from 5.00% to 8.00%
Hybrid HP terms
5, 7, 10 or 15 years
Fixed monthly payments, you own it at the end
Hybrid PPA rate
12p to 17p per kWh
Depends on system size and contract length
Illustration, not a credit offer. Credit is subject to status, affordability and lender approval. Breathe is not acting as a lender. Your chosen APR and term are shared with the Cascading Green Loan Model.
Open the Cascading Green Loan ModelFor institutional partners
Explore a proposed unified Hybrid HP or whole-building service/PPA structure, with transparent debt coverage, community funding, delivery controls and evidence gates.
Open the financial partner dashboardFinance, without the pressure
Explore your £20,000 whole-building package without individual technology prices. Finance spreads the cost; lower bills and your eligible share of income can help meet repayments. They do not guarantee them.
A funder owns the agreed assets and you pay for the energy supplied under a contract. An upfront-free structure may be possible. Tariff, term, maintenance, end-of-term ownership and your revenue share need agreement; there is no confirmed PPA price here.
HP spreads the cost, with ownership after the agreement and any final fee are paid. The proposed Breathe hybrid combines bill savings with your contractual Gateway income share to help cover fixed payments. You remain responsible if income falls short.
Amporah proposes initial funding for installations, then reinvesting an agreed share of net income into further buildings. Grants, portfolio finance, leasing or later refinancing may form part of a funded programme. This is not an approved household loan or an available grant.
Grant support defaults to £0 and is not an eligibility decision. Running costs default to £0 because confirmed fees are not available; include them before deciding. VAT, scope and final lender fees need confirmation.
Modelled benefit covers repayments and the entered reserve.
£28,992 total cash contribution and repayments, including £8,992 interest. Grants, reserves and unquoted fees are separate. Longer terms can lower payments but increase total interest.
Savings are bills you avoid, not cash deposited into your account. Gateway and export figures must be your agreed customer share, not the whole trading pool, and are not guaranteed.
After energy bills, finance and the entered reserve
−£144 / month
After finance is repaid, using the same modelled benefits
+£97 / month
A positive number is a modelled surplus, not a promise of a zero supplier bill. Performance, rates, customer shares and upkeep can change.
Breathe 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 15.1 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.
1. Fund the installation
An approved lender, funder or grant programme pays the agreed installation cost.
2. Reduce demand and earn
Technologies lower energy use. Eligible export and flexibility produce variable income.
3. Meet obligations first
Energy settlement, agreed repayments, service fees, maintenance, reserves and applicable taxes come before distributable surplus.
4. Share and reinvest
Your contracted share stays with you. An agreed programme share can help fund the next installation.
Cash purchase avoids finance interest but uses your savings upfront. Part-cash reduces the amount borrowed. Leasing may avoid ownership responsibilities but can include ongoing rent, service conditions and no automatic ownership. Compare the full contract cost, not just the monthly figure.
Educational illustration, not a credit offer. Amporah’s finance planning includes 7 and 10 year HP examples at an illustrative 8% annual rate in a commercial case; these are not Breathe lender terms or a representative APR. No lender, PPA, lease, grant, automated payment routing or revenue split is confirmed here. A zero upfront goal remains subject to approval and survey. The £249 technical assessment, if chosen, is separate; the walkthrough is complimentary.
