Buying advice

Heat pump vs new gas boiler: the 2026 reality check

The UK is phasing out new gas boilers by 2035. That's nine years away. The £7,500 government grant (Boiler Upgrade Scheme) makes heat pumps cheaper than they've ever been. So should you switch now, or fit another gas boiler and decide later? Here's the honest comparison.

Side-by-side comparison

Upfront cost
Gas boiler
£2,000 – £3,500 installed
Heat pump
£8,000 – £14,000 before grant. £500 – £6,500 after £7,500 grant.
Annual running cost
Gas boiler
£1,400 – £2,000 (gas)
Heat pump
£900 – £1,500 (electricity). 25–35% lower than gas.
Install time
Gas boiler
1 day
Heat pump
3–5 days (incl. outside unit, pipework)
Lifespan
Gas boiler
10–15 years
Heat pump
15–20 years
Works in cold weather
Gas boiler
Yes, full output
Heat pump
Yes — modern pumps still hit 100% at -7°C. Performance drops below that.
Needs bigger radiators?
Gas boiler
No
Heat pump
Sometimes — runs lower temps, so rads may need upsizing on poorly-insulated homes.
Outdoor space needed
Gas boiler
No
Heat pump
Yes — external unit (~size of air con unit), noisier than boiler
Hot water
Gas boiler
On-demand (combi) or tank
Heat pump
Always needs a tank — no heat-pump combi yet

The £7,500 Boiler Upgrade Scheme

The UK government grants up to £7,500 towards an air source heat pump (or £7,500 towards ground source). No income limit. Not means-tested.

To qualify:
  • › Your property has a valid EPC
  • › No outstanding "loft or cavity wall insulation" recommendations on the EPC (fix those first)
  • › You own the property (or landlord permission)
  • › Installer is MCS-certified (most reputable heat pump firms are)

Our honest recommendation

→ Go heat pump if…

  • › Your home has good insulation (EPC C or better)
  • › You have outside space for the unit (garden, driveway)
  • › You're staying in this house 10+ years
  • › You can cover the £500–£6,500 net upfront cost (after grant)
  • › Your current boiler is 10+ years old and would need replacing anyway

→ Fit a gas boiler if…

  • › Property is poorly insulated (EPC D or worse, solid walls, single glazing)
  • › You're planning to move within 5 years
  • › No outdoor space for an external unit
  • › Tight upfront budget — boilers are cheaper day-one even with the grant
  • › Current boiler has 3+ years of life left

What the 2035 ban actually means

2035 is the proposed ban on new gas boiler sales — not an existing-boiler ban. If you fit a new gas boiler in 2026, it's legal to keep using and servicing it for its full lifespan (typically 12–15 years). You're not being forced to switch early. But after 2035, new installs will be heat pump or hybrid only.