Heat Pumps in New Builds
Estimate the Saving for a New Build
Pre-set for a new-build on direct electric heating (typical for post-2019 stock without a gas connection). New-builds run at SCOP 4.0+ thanks to lower flow temperatures. If your new-build has gas, switch the heating type above. If you're on Economy 7 storage heaters rather than panel heaters, the saving will be smaller (closer to £500-£700/year).
1. What heats your home today?
Pick whichever your main heating uses.
Add up last year's bills, or use the typical figure for your home below.
3. What size is your home?
We use this to estimate the size of heat pump you'd need.
4. Do you have solar panels?
Free electricity from your roof cuts what the heat pump costs to run.
5. Your options
Most homes qualify for both. Leave them on unless you know they don't apply.
Your estimated saving
£957a year
Over 15 years that's around £14,352 off your heating bills.
Now: Electric heating
£1,200 / year
With heat pump
£243 / year
You save
£957 / year
What about the upfront cost?
- Heat pump install (typical)
- £9,000
- Less government grant
- -£7,500
- You pay
- £1,500
Like the look of £957 a year?
These are estimates. The only way to know your real saving is a free quote from an MCS-certified installer. Takes 2 minutes, no obligation, no pushy sales calls.
How we worked this out
Energy prices: Ofgem price cap for April-June 2026 (Direct Debit, GB average): gas 5.74p/kWh, electricity 24.67p/kWh. Heat pump tariff blended at 20p/kWh (typical for E.ON Next Pumped, EDF Heat Pump Tracker, Cosy Octopus on a heat pump load profile). Heating oil 11.21p/kWh (116p/litre ÷ 10.35 kWh/litre, April 2026). LPG 11p/kWh midpoint of typical UK domestic range.
Heat pump efficiency:Seasonal performance factor (SCOP) of 3.5. The real-world average across 252 monitored UK heat pumps on heatpumpmonitor.org is 3.87 (January 2026), so we've picked a deliberately conservative figure.
Typical bill ranges: Gas 3-bed £1,000-£1,400, oil £1,500-£2,000, LPG £1,400-£2,200, electric storage heaters £1,500-£2,500 (Uswitch, retrofitplanner.co.uk, Checkatrade 2026). Oil and LPG homes pay roughly twice as much per unit of heat as gas, which is why the saving from switching to a heat pump is bigger.
Solar: A typical UK 4kW system generates around 3,800 kWh/yr. Without a battery the heat pump can self-consume around 1,000 kWh of that; with a battery shifting midday surplus into morning and evening, around 1,700 kWh.
Install costs: Energy Saving Trust 2026 typical range £10,000-£13,000 by home size. New gas boiler ~£2,750 (UK average, Checkatrade 2026). The £7,500 grant is the Boiler Upgrade Scheme (gov.uk) for England and Wales.
Estimates only. Your actual saving depends on the installer, flow temperatures, your home's heat loss and your electricity tariff. Always get a heat loss survey from an MCS installer for an accurate quote.
Heat Pumps in New Builds: The Easiest Install You'll Find
If you've bought or are buying a new-build home, you're in the best possible position for a heat pump. Modern homes are built to current Building Regulations, which means they're already well-insulated, often have underfloor heating, and increasingly come with a heat pump fitted as standard. If yours didn't, adding one is straightforward and relatively cheap.
Why New Builds Are Perfect for Heat Pumps
Everything that makes heat pumps expensive or complicated in older houses simply isn't a problem in a new build:
- Insulation is already done: new builds meet Part L Building Regulations, which require high levels of wall, floor, and roof insulation. Your annual heat loss is typically 4,000–7,000 kWh, compared to 12,000–20,000 kWh for an older uninsulated home.
- Radiators are already sized correctly: if the house was designed for a heat pump, the radiators (or underfloor heating) are spec'd for low-temperature operation. If it was designed for a gas boiler, the radiators are still likely large enough because modern build regs require lower heat output per room.
- The smallest heat pump does the job: a 4–6kW unit handles most new builds comfortably. That's the cheapest bracket to buy and the cheapest to run.
- Airtightness is built in: modern homes have proper draught-proofing and MVHR (mechanical ventilation with heat recovery) in better-spec builds. No draughty floorboards or leaky sash windows to deal with.
In short: a new build with a heat pump is how heating is supposed to work. Low demand, small system, low running costs.
Does Your New Build Already Have One?
From 2025, the Future Homes Standard means new-build homes in England must produce 75–80% fewer carbon emissions than the 2013 standard. In practice, that means most new builds will come with a heat pump or be "heat pump ready" (pre-wired, pre-plumbed, with the space allocated).
If you're buying off-plan or from a developer, check what heating system is included. The three scenarios:
- Heat pump already fitted: increasingly common, especially from larger developers. You're sorted. Just make sure you understand how to use it (many people don't, and the handover from developers is often rubbish).
- "Heat pump ready": the infrastructure is in place, but you need to buy and install the unit. This is much cheaper than a retrofit because the pipework and connections are already done. Budget £3,000–5,000 for the unit and commissioning.
- Gas boiler fitted: still happens in homes built before the new regulations bite. You've got a working system but may want to switch later. The good news is your house is already well-insulated, so when you do switch, it's a straightforward swap.
Costs: The Cheapest Heat Pump Install Going
| Scenario | Estimated Cost | After BUS Grant |
|---|---|---|
| Heat pump ready (unit + commissioning only) | £3,000–5,000 | Potentially free (if eligible) |
| Replacing gas boiler in new build | £7,000–10,000 | £0–2,500 |
| Full retrofit in new build (rare, if no prep done) | £8,000–12,000 | £500–4,500 |
That £7,500 BUS grant makes a huge dent when the total install cost is already low. Some new-build heat pump installations effectively come out free after the grant. Just be aware of the eligibility rules. Read on.
The Grant Catch: BUS Eligibility for New Builds
Here's the important bit. The Boiler Upgrade Scheme requires that you're replacing an existing fossil fuel heating system. If your new build was constructed with a heat pump from day one, there's nothing to replace, so you don't qualify.
You do qualify if:
- Your new build was fitted with a gas boiler and you're replacing it with a heat pump
- Your home has a valid EPC (less than 10 years old, shouldn't be a problem for a new build)
- The installation is done by an MCS-certified installer
You don't qualify if:
- The home was built with a heat pump already (nothing to replace)
- The home was built after the gas boiler ban takes effect and never had fossil fuel heating
This matters when you're buying. If you're choosing between two new-build specs (one with a gas boiler, one with a heat pump), the gas boiler version might actually work out cheaper overall because you can claim the BUS grant when you switch later. Bit counterintuitive, but worth running the numbers.
Running Costs: As Low As It Gets
A new-build home with a heat pump is the cheapest type of home to heat in the UK. The numbers:
| House Size | Heat Pump Running Cost | Equivalent Gas Boiler Cost |
|---|---|---|
| 2-bed new build | £300–500/year | £600–900/year |
| 3-bed new build | £400–650/year | £800–1,200/year |
| 4-bed new build | £500–800/year | £1,000–1,500/year |
Those are annual figures for heating and hot water. The reason they're so low is the combination of excellent insulation (low demand) and the heat pump's efficiency (COP of 3–4, meaning 1kWh of electricity produces 3–4kWh of heat).
Add a smart thermostat with weather compensation and the running costs drop further. The system learns your home's thermal behaviour and adjusts output to match. In a well-insulated new build, this really does make a noticeable difference.
Common Issues in New Builds with Heat Pumps
It's not all plain sailing. New-build heat pump installations have some recurring issues that are worth knowing about:
- Poor developer handover: most developers spend about 30 seconds explaining the heating system. Many new-build owners don't know how to use their heat pump properly, run it like a gas boiler (cranking it up and down), and wonder why it's expensive. Heat pumps work best running at a steady, lower temperature. Ask for a proper handover or read the manual.
- Undersized systems: some developers cut costs by fitting the smallest heat pump possible. If your home is slow to warm up or the hot water runs out quickly, the system may be undersized. Get an independent MCS engineer to check.
- Default settings aren't optimised: most heat pumps are shipped with factory settings that work okay but aren't optimal. An afternoon spent adjusting flow temperature curves, hot water schedules, and weather compensation settings can cut running costs by 10–20%.
- Noise from cheap outdoor units: developers sometimes fit budget models. They'll work fine but may be louder than premium alternatives. Not usually a problem in a new-build estate where everyone's in the same boat, but worth checking if your unit is near a bedroom window.
Should You Add Solar Panels?
In a word: yes, if you can afford it. A new build with a heat pump and solar panels is about as energy-efficient as a UK home gets. Your roof is new, unshaded (usually), and designed to modern standards, ideal for panels.
A 3–4kWp system (8–10 panels) on a new-build roof costs £4,500–6,500 including installation, and generates enough to cover a significant portion of the heat pump's electricity consumption. On sunny days in spring and summer, your heating and hot water can be effectively free.
Some developers offer solar as an upgrade option. It's almost always cheaper to add it during the build than to retrofit later, so if the option is there, take it seriously.
Getting Started
- If buying off-plan: ask the developer what heating system is included, whether it's "heat pump ready", and whether solar panels are an option. Get it in writing.
- If your new build has a gas boiler: you're well-placed for a future switch. The house is already insulated, so when the time comes, the install is quick and affordable. Check BUS grant eligibility.
- If your new build has a heat pump: learn how to use it properly. Set it to run at a steady low temperature rather than boosting and turning off. Check the manufacturer's app for monitoring and optimisation.
- Consider a smart thermostat: weather compensation makes a real difference in a new build. See our smart thermostat guide for what works with heat pumps.
Retrofitting a heat pump to your new build?
Easiest installs going. Get free quotes from MCS-certified installers near you.
More reading: Heat pump costs explained | Heat pump running costs | Solar panel costs UK | Are heat pumps worth it?