PHAM NEWS | OCTOBER 2026 PHAM NEWS | OCTOBER 2026
Energy Matters Solar finance for homes Millions
missing out on cheaper electricity
Segen has partnered with digital bank Zopa to offer finance for residential solar and storage installations through its approved installer network. The Segen Finance offering
Segen has partnered with digital bank Zopa to offer finance for residential solar and storage installations through its approved installer network. The Segen Finance offering
allows homeowners to spread the cost of installations, while giving installers another way to convert enquiries into completed projects. Segen acts as a credit broker, introducing customers who choose finance to Zopa Bank, the lender. The residential service follows
allows homeowners to spread the cost of installations, while giving installers another way to convert enquiries into completed projects. Segen acts as a credit broker, introducing customers who choose finance to Zopa Bank, the lender. The residential service follows
Segen Finance’s launch for commercial and industrial customers in 2025. Homeowners can apply through a link in Segen’s Proposal Tool, which takes them to Zopa’s website. They receive a personalised quote in around two
Segen Finance’s launch for commercial and industrial customers in 2025. Homeowners can apply through a link in Segen’s Proposal Tool, which takes them to Zopa’s website. They receive a personalised quote in around two
minutes without affecting their credit score, with eligible customers able to spread payments over 24 to 120 months at a representative APR of 9.9%. Once finance is approved,
minutes without affecting their credit score, with eligible customers able to spread payments over 24 to 120 months at a representative APR of 9.9%. Once finance is approved,
installers can schedule hardware delivery without paying upfront or using their credit facility. They are paid in full for the system, less the cost of the hardware, once the project is completed. Segen’s James Walker says:
“This opens up a new pool of customers for installers: households that already recognise the benefits of solar and storage but have previously been unable or unwilling to make the initial investment.” ◼
phamnews.co.uk/1026/28
installers can schedule hardware delivery without paying upfront or using their credit facility. They are paid in full for the system, less the cost of the hardware, once the project is completed. Segen’s James Walker says:
“This opens up a new pool of customers for installers: households that already recognise the benefits of solar and storage but have previously been unable or unwilling to make the initial investment.” ◼
phamnews.co.uk/1026/28
A new report suggests millions of households, from night-shift workers and busy families to low-income customers, heat pump owners and those with home batteries, could be missing out on cheaper electricity because smart tariffs are not designed around how people actually live. The report from Cornwall Insight
A new report suggests millions of households, from night-shift workers and busy families to low-income customers, heat pump owners and those with home batteries, could be missing out on cheaper electricity because smart tariffs are not designed around how people actually live. The report from Cornwall Insight
claims that by combining energy consumption data with demo- graphic information, suppliers could design a new generation of time-of-use tariffs (TOU) tailored to different households, allowing people to see how much they could actually save rather than relying on a one-size-fits-all approach. Around 70% of households in
claims that by combining energy consumption data with demo- graphic information, suppliers could design a new generation of time-of-use tariffs (TOU) tailored to different households, allowing people to see how much they could actually save rather than relying on a one-size-fits-all approach. Around 70% of households in
Great Britain have a smart meter capable of supporting TOU tariffs, but they account for fewer than 3% of the domestic energy market. Many households may assume their lifestyle means they would not save money, or that the tariffs are simply not worth the hassle.
Great Britain have a smart meter capable of supporting TOU tariffs, but they account for fewer than 3% of the domestic energy market. Many households may assume their lifestyle means they would not save money, or that the tariffs are simply not worth the hassle.
currently accounts for 78% of all time-of-use tariff customers, suggesting that these tariffs are still largely focused on EV owners. Cornwall Insight says other
Electric vehicle charging Electric vehicle charging
currently accounts for 78% of all time-of-use tariff customers, suggesting that these tariffs are still largely focused on EV owners. Cornwall Insight says other
households could also benefit. Someone working night shifts, for example, may already use more electricity at times when prices are lower. A household with a heat pump or home battery may also have different opportunities to shift its electricity use. Time-poor customers may also
be reluctant to change when they use electricity, making automated systems an important part of the proposed approach. These could move electricity demand to cheaper periods without requiring households to constantly monitor
households could also benefit. Someone working night shifts, for example, may already use more electricity at times when prices are lower. A household with a heat pump or home battery may also have different opportunities to shift its electricity use. Time-poor customers may also
be reluctant to change when they use electricity, making automated systems an important part of the proposed approach. These could move electricity demand to cheaper periods without requiring households to constantly monitor
when they use energy. Dr Matthew Chadwick, lead
when they use energy. Dr Matthew Chadwick, lead
research analyst at Cornwall Insight, says: “By pairing consumption data with demographics, suppliers could build energy tariffs around how people actually live. If suppliers can use data in a smarter way, time-of- use tariffs could stop being a niche product for the few and become something every household, and the wider society, can benefit from.” The report also says better-
research analyst at Cornwall Insight, says: “By pairing consumption data with demographics, suppliers could build energy tariffs around how people actually live. If suppliers can use data in a smarter way, time-of- use tariffs could stop being a niche product for the few and become something every household, and the wider society, can benefit from.” The report also says better-
targeted tariffs could encourage more households to install technologies such as heat pumps and home batteries by helping them make better use of cheaper electricity. ◼
phamnews.co.uk/1026/29
targeted tariffs could encourage more households to install technologies such as heat pumps and home batteries by helping them make better use of cheaper electricity. ◼
phamnews.co.uk/1026/29
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