Interest Free Cosy Loans

Wirral Council



We offer interest-free Cosy Loans to homeowners - well as private landlords and their tenants - to make improvements that reduce energy costs. You can borrow between £200 and £2,000. Your monthly repayments can be from as little as £10 per month, depending upon how much you borrow, and must be paid in full within 36 months.


Available In
  • Wirral
Available to Age Groups
  • No Restriction
What we can help with
  • Advice on how to save energy & water
  • Help to get household items and clothing
Available to these Groups
  • All Groups

Additional Information

The scheme is managed by Wirral Methodist Housing Association on behalf of the Council.

You can apply for a loan if:

  • you own your home outright
  • you are buying on a mortgage
  • you are a private landlord and you want to make improvements to your rented property
  • you are able to afford the loan repayments
  • you have a good credit rating.

The loan can be used to install the following energy efficiency measures in your home:

  • loft insulation
  • cavity wall insulation
  • a central heating boiler
  • draught proofing doors and windows (must be in conjunction with at least one of the above measures)
  • solar water heating
  • solid wall insulation

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