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UK Homeowners Fear That Switching to Heat Pumps Is a 'High Stakes Gamble'

June 22, 2026 · The Independent

A major consumer group says people are worried about costs, cold homes, and untrustworthy installers — not just the price tag.

Many homeowners in the United Kingdom are afraid to install heat pumps in their homes, and a big consumer group called Which? says it knows why. The group surveyed more than 1,000 homeowners who had looked into getting a heat pump but decided not to. Their research found that people are not just worried about the high upfront cost — they also fear being tricked, ending up with a cold home, or losing money when they try to sell their house.

Heat pumps are electric systems that heat homes without burning gas or oil. The UK government wants more people to use them because they produce less pollution and can help fight climate change. Right now, most UK homes still use gas or oil boilers, and switching to a heat pump costs a lot of money upfront, even with a government grant of £7,500 available to help.

Which? found that people see installing a heat pump very differently from other home upgrades, like a new kitchen or bathroom. Those changes feel worth it right away, but a heat pump feels like a risk with no clear reward. About one in three homeowners said there were 'too many long-term uncertainties,' and nearly 30% said the investment felt like too much of a gamble.

One big worry is whether homeowners will stay in their house long enough to save money on energy bills over time. Many people are also concerned that future buyers might not want a home with a heat pump, which could lower the value of their property. These fears make it very hard for people to feel confident about making the switch.

Another problem is that people do not trust the heat pump installation market. Many homeowners described it as a 'Wild West' full of bad advice and dishonest builders, sometimes called 'cowboys.' They want a trusted, well-known safety standard — similar to the Gas Safe register used for gas engineers — so they know who to trust when hiring an installer.

There is already a certification scheme called the Microgeneration Certification Scheme, or MCS, that is supposed to provide that kind of trust. However, the Which? report found that almost nobody has heard of it, calling it 'an invisible solution.' Until people know about it and trust it, it cannot help ease their worries.

Which? is calling on the UK government to take several steps to fix these problems. The group wants the government to lower electricity prices, offer low- or no-interest loans to help with costs, and launch a 'warm homes guarantee' that promises any problems will be fixed quickly and easily. They also want the government to give homeowners reliable advice and make sure buying a heat pump does not make it harder to sell their home later.

A government spokesperson said that over 100,000 heat pumps were sold in the UK last year, which is a record number. The government also said its Warm Homes Plan could give low-income families a heat pump, solar panels, and a battery at no cost at all. The spokesperson added that new plans are being introduced to protect consumers and make the upgrade process smoother and easier.

"Home heating is a costly but essential lifeline in the UK, so it is fully understandable that consumers perceive heat pumps as a high stakes gamble."

Comprehension quiz preview

1. What percentage of surveyed homeowners said the heat pump investment 'feels too much of a gamble'?

  • A33%
  • B50%
  • C29%
  • D15%

2. What is the name of the UK government grant that helps homeowners pay for a heat pump?

  • AThe Green Homes Grant
  • BThe Warm Homes Grant worth £7,500
  • CThe Net Zero Boiler Fund
  • DThe Climate Action Subsidy

3. What does the Microgeneration Certification Scheme (MCS) do?

  • AIt installs heat pumps for free in low-income homes.
  • BIt sets electricity prices for heat pump users.
  • CIt is meant to certify and vouch for heat pump installers.
  • DIt trains homeowners to fix their own heat pumps.

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