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How much can I save with solar panels?

Yearly value, south-facing roof (our calculation)£523 to £603

On our calculation, a 4 kWp system without a battery is worth around £523 to £603 a year on a south-facing roof and £435 to £495 on an east-facing roof, if you buy your electricity from the supplier that pays you 12p per kWh for exports. At an export rate open to anyone (about 4p), a south-facing roof is worth around £299 to £333. That's bill savings plus Smart Export Guarantee payments, for a household using 2,500 kWh a year at the October to December 2026 price cap.

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Questions homeowners ask about photovoltaic panels

Answers to the most common questions.

Do I need planning permission for photovoltaic panels?

Most standard roof-mounted installations on a domestic property in England fall under permitted development and do not need a full planning application. Exceptions include listed buildings, properties in conservation areas, and some flat-roof installations. Your installer must identify whether a formal application or a prior-approval check is needed for your specific property before work begins.

What does the Smart Export Guarantee pay, and how do I claim it?

Once your system is certified under MCS or an equivalent scheme and registered, you can apply to an electricity supplier for a SEG tariff. Suppliers with at least 150,000 domestic customers must offer one, but the rate is supplier-set and varies widely between providers, so comparing tariffs at this stage is worthwhile. The SEG is an ongoing export payment, not a one-off grant.

How long does a typical photovoltaic system take to pay back?

On our calculation, payback is about 11–16 years on a south-facing roof if you also buy your electricity from the supplier that pays 12p per kWh for exports, and about 20–28 years at an open export rate of about 4p; it takes longer if the roof is east-facing or sits in partial shade. Payback depends on system size, how much of the generated power your household consumes directly, and the SEG tariff you secure. An installer who sizes the system to your actual consumption, rather than the largest array that fits, will give you the most accurate projection.

Is VAT charged on photovoltaic panel installation?

Residential installation of photovoltaic panels is zero-rated for VAT to 31 March 2027 (HMRC VAT Notice 708/6), meaning 0% VAT applies to installations such as a typical 4.5 kWp system, which the Energy Saving Trust's 2026 figures put at around £7,600. After that date the rate rises to 5%, so if your installation is planned for after March 2027, confirm the applicable rate with your installer when you request quotes.

What warranties should my photovoltaic system come with?

Expect two separate documents: a product warranty from the manufacturer, whose length varies by panel maker (most inverters carry at least five years, often extendable, according to the Energy Saving Trust), and a workmanship warranty from the installer covering the installation itself. Ask for both in writing before signing. A quote that does not specify warranty terms in writing is incomplete.

Photovoltaic panels

The Energy Saving Trust puts a typical 4.5 kWp home photovoltaic system at around £7,600 installed (2026), yet quotes for similar homes can differ widely, depending on roof size, orientation, and which installer you speak to.

The difference rarely comes down to panel quality alone. It comes down to how many quotes you request and how carefully you weigh them up. On our calculation, payback runs about 11–16 years on a south-facing roof if you also buy your electricity from the supplier that pays 12p per kWh for exports (about 20–28 years at an open export rate of about 4p), and longer if your roof faces east or sits in partial shade, so the quote you accept at the start shapes your returns for decades.

This page helps you understand what drives those numbers, what to check before you sign, and how to request quotes from qualified installers who will contact you with figures for your specific home.

In short

  1. Pay 0% VAT on installation zero-rated to 31 March 2027, reducing your upfront cost
  2. On our calculation, a 4 kWp system without a battery is worth around £523–£603 a year on a south-facing roof if you also buy your electricity from the supplier paying 12p per kWh for exports, or £299–£333 at an open export rate of about 4p (household using 2,500 kWh a year)
  3. On our calculation, expect a payback of about 11–16 years on a south-facing roof if you buy your electricity from the supplier paying 12p per kWh for exports, or about 20–28 years at an open rate of about 4p; longer if shaded or east-facing
  4. Check that every installer quotes under MCS certification before you commit

Four types of photovoltaic panels: which suits your home?

Below is a comparison of what each type is like.

Standard roof-mounted system

Panels fixed directly to your existing roof structure. The most common choice for UK homes with a pitched south- or south-west-facing roof and no serious shading.

Pros

  • Lower install cost than integrated options
  • Straightforward to add more panels later
  • Air gap under panels helps keep them cool and efficient

Cons

  • Panels sit proud of the tiles, which affects the roofline
  • Not suitable if the roof needs replacing soon
  • Planning rules may apply in conservation areas

Building-integrated photovoltaic (BIPV)

Panels replace the roof covering itself. Tiles or slates generate power while blending into the building rather than sitting on top of it.

Pros

  • Cleaner look, often accepted where standard mounts are refused
  • Can save on roofing material if a re-roof is already planned
  • Can help in planning talks for listed buildings

Cons

  • Considerably higher cost than surface-mounted systems
  • Harder to reach for upkeep or single panel swap
  • Fewer UK installers have hands-on BIPV experience

Flat-roof system with tilt frames

Panels sit on angled ballast frames on a flat roof. The angle and direction are chosen to get the best yield, not tied to how the building faces.

Pros

  • Angle and direction chosen freely, not set by roof pitch
  • Panels are out of sight from street level in most cases
  • Well suited to extensions, outbuildings, and garages

Cons

  • Ballast frames add weight, so a structural check is needed first
  • Frames can collect debris and need more regular cleaning
  • May need planning consent depending on height above the roof

System with integrated battery storage

A solar array paired with a home battery. Surplus power made during the day is stored and used in the evening rather than sent to the grid.

Pros

  • Raises the share of your own power that you actually use
  • Cuts reliance on grid power during peak evening tariff hours
  • Pairs well with time-of-use tariffs and EV charging

Cons

  • Battery adds to the project cost
  • Battery warranty and lifespan are separate from panel warranty
  • Payback period is longer than with a panel-only system

How to choose an installer for photovoltaic panels

  1. MCS certification is the baseline, not a bonus. Only installations certified under MCS or an equivalent scheme qualify for Smart Export Guarantee payments. Check certification before you look at price: it protects your long-term returns, not just the install.
  2. Warranties come in two parts. One is a product warranty from the maker: length varies for panels, and most inverters carry at least five years, often extendable (Energy Saving Trust). The other is a workmanship warranty from the installer. Ask for both in writing before you accept any quote.
  3. A quote without a survey is a guess. A serious installer will ask about your roof's pitch, orientation, age, and any shading from trees or nearby buildings. An on-site survey, or a detailed remote one, is a sign the numbers will hold.
  4. Get at least three quotes to see a real market picture. The spread across quotes often shows whether a low price means a smaller system, cheaper parts, or a shorter workmanship warranty.

Why request your quotes here

Fill out one short form about your home and energy use, and MCS-certified installers in your area will contact you directly with quotes sized to your roof and consumption.

You compare the offers you receive, pricing, warranties, and system specs all visible, and you decide. There is no fee for the service and no obligation to proceed.

Request your quotes and put the choice in your hands.

What moves the price of a photovoltaic system

System size and panel count

A larger array generates more power and costs more upfront. Sizing should match your actual consumption: an oversized system exports more than you use, while an undersized one leaves bill savings on the table. Your installer will size the system from your annual usage figure.

Roof type and mounting complexity

A straightforward pitched roof with easy access costs less to install than a complex hip roof, a slate roof requiring specialist fixings, or a flat roof needing tilt frames and ballast. Labour time rises with complexity, and that flows directly into the quote you receive.

Inverter choice and battery addition

String inverters cost less; microinverters or optimisers add cost but can recover yield on partially shaded roofs. Adding battery storage is a separate line in the quote and carries its own warranty period. Panel warranty terms vary by manufacturer, and most inverters have a warranty of at least five years, which can often be extended, according to the Energy Saving Trust.

Scaffolding, access, and survey requirements

Multi-storey homes, awkward roof angles, or sites near roads often require more scaffolding time and a more detailed survey. These costs are legitimate and should appear as named line items in any transparent quote; ask for a breakdown if they are bundled.

VAT and current incentives

Installation of photovoltaic panels on a UK home currently attracts 0% VAT, zero-rated to 31 March 2027 (HMRC VAT Notice 708/6). On a typical 4.5 kWp system costing around £7,600 (Energy Saving Trust, 2026), that is a meaningful saving compared with the 5% rate that applies from 1 April 2027. Beyond that date, check with your installer what rate applies to your planned installation.

Key figures at a glance

Item

Value

Typical payback period

about 11–16 years south-facing and 13–19 east-facing if you buy your electricity from the supplier paying 12p for exports; about 20–28 years south-facing at an open rate of about 4p (our calculation)

Typical panel/product warranty

panels: terms vary by manufacturer; inverters: at least 5 years, often extendable (Energy Saving Trust)

VAT on residential solar installation

0% (zero-rated to 31 Mar 2027)

Typical installed system cost (domestic)

£7,600 approx. for a typical 4.5 kWp home system (Energy Saving Trust, 2026)

Annual benefit incl. Smart Export Guarantee

£523–£603 a year south-facing and £435–£495 east-facing if you buy your electricity from the supplier paying 12p for exports; £299–£333 south-facing at an open rate of about 4p (our calculation, 4 kWp, no battery)

Facts verified as of 2026-10-02.

Annual benefit and payback by roof orientation

Our calculation for a 4 kWp home system without a battery, using PVGIS for London, Manchester, Edinburgh and Cardiff and the Ofgem price cap for October to December 2026. The 12p export rate needs you to buy your electricity from the supplier that pays it; 4.05p is the median rate open to anyone. Source: Our calculation (How we calculate)

FactorSouth-facing roofEast-facing roof
Annual benefit at a 12p export rate£523–£603 a year£435–£495 a year
Annual benefit at an open export rate of 4.05p£299–£333 a yearLower than south-facing
Payback at a 12p export ratearound 11–16 yearsaround 13–19 years
Payback at an open export rate of about 4paround 20–28 yearsaround 23–33 years

From signed contract to working system

Once you have chosen your installer and signed the contract, the MCS-certified installer submits any necessary planning or building-regulation notifications on your behalf. Most standard residential installations in England do not require a full planning application, but conservation areas and listed buildings are exceptions your installer must flag.

Scaffolding goes up, typically for one to two days, followed by the panel installation itself, which usually takes one day for a straightforward system. The inverter is wired in and the system connected to your consumer unit.

Your installer registers the system with the Distribution Network Operator (DNO), which is required before the system can export power. Once the DNO confirms, you can apply to an electricity supplier for a Smart Export Guarantee tariff, rates are supplier-set and vary, so comparing tariffs at that stage pays. From survey to switch-on, most domestic installations complete within four to eight weeks.

Six things to check before you sign

  1. Check that the installer holds a current MCS certificate. Look them up in the MCS installer database directly, not just their website claim.
  2. Ask for the panel product warranty in writing. Panel warranty lengths vary by manufacturer; inverters run 5–15 years. Get the workmanship warranty from the installer as a separate document.
  3. Make sure the quote lists scaffolding, inverter, mounting hardware, and DNO registration as separate line items. That way you can compare quotes on the same basis.
  4. Find out if your property needs permitted development confirmation or full planning permission. Conservation areas and listed buildings follow stricter rules.
  5. Ask how the installer handles DNO registration and the Smart Export Guarantee application. Confirm whether that is included in the price they quote. Note: SEG export payments require an installation certified under MCS or an equivalent scheme, and the rate varies by supplier.
  6. Installation costs vary, and payback depends on roof angle, shading, and how much of the power you use on-site. Review the assumptions behind any figures given to you before you commit. The Energy Saving Trust puts a typical 4.5 kWp system at around £7,600 installed (2026), and installation is zero-rated for VAT to 31 Mar 2027.

Mistakes that cost homeowners money

  1. Accepting the first quoteA single quote gives you no reference point. The spread between quotes for the same roof and consumption can be substantial, and a lower quote sometimes reflects a smaller system or a shorter workmanship warranty rather than a better deal. Consumer bodies consistently recommend gathering at least three quotes before committing.
  2. Overlooking the inverter warrantyPanels should last 25 years or more, but most inverters have a warranty of at least five years, which can often be extended, according to the Energy Saving Trust. An inverter replacement during the system's life is a real cost. Ask each installer what the inverter warranty covers and whether an extended warranty is available, and factor that into your comparison.
  3. Treating the Smart Export Guarantee as a grantSEG is an export payment from your electricity supplier for power you send back to the grid. Suppliers with at least 150,000 domestic customers must offer a tariff, but the rate is supplier-set and only has to be above zero, and rates vary widely. Comparing SEG tariffs after installation, rather than assuming one rate, can make a meaningful difference to your annual return.
  4. Not checking roof condition before installationPanels are designed to sit on a roof for two decades or more. Installing on a roof that needs re-tiling within five years means paying for scaffolding and disruption twice. Ask your installer to assess the remaining life of your roof covering during the survey: a short delay to re-roof first often costs less than the alternative.

Terms you will see in quotes and contracts

kWp (kilowatt-peak)
The rated maximum output of a photovoltaic system under standardised laboratory test conditions. Real-world output is lower because UK weather rarely matches those conditions. System size is quoted in kWp and determines both cost and expected generation.
MCS (Microgeneration Certification Scheme)
The UK certification standard for domestic renewable energy installations. An installation certified under MCS or an equivalent scheme is a condition of the Smart Export Guarantee. Check the MCS installer database to confirm a certificate is current before signing.
Inverter
The unit that converts the direct current (DC) your panels produce into the alternating current (AC) your home uses. Inverters carry a shorter warranty than panels, typically around 5–15 years, and may need replacing during the panel's working life.
Smart Export Guarantee (SEG)
A scheme under which electricity suppliers with at least 150,000 domestic customers must offer a tariff that pays you for surplus power exported to the grid. The rate is set by each supplier and must be above zero. Only installations certified under MCS or an equivalent scheme are eligible.

Prices and rates reviewed 2 October 2026