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Electricity & gas · Finland
Checked 2026-09-30

🏠 Grants for a heat pump or insulation in Finland: where do I apply?

The short answer

Most countries support home renovation with grants, tax credits or cheap loans. The schemes change often, so always check the official portal before you order work.

📜 The rules in Finland

Grants for heat pumps and insulation

Varke's Energia-avustus 2026–2027 helps housing companies and owners of state-subsidised rental or right-of-occupancy homes improve energy efficiency: up to 50% of approved costs, at most €4,000 per dwelling. Applications open 28 September 2026.

  • Private homeowners cannot apply for Energia-avustus. Work should start only after applying; work begun after 1 June 2026 can still be applied for until 31 December 2026. (varke.fi)
  • Household tax credit (kotitalousvähennys) 2026: up to €1,600 per person a year, or €3,500 for work to replace oil heating; a €150 threshold per person applies. (vero.fi)
  • The state grant for detached houses giving up oil heating (€4,000 for district heating or a ground-source or air-to-water heat pump) closed to new applications on 25 May 2026. (elinvoimakeskus.fi)
VarkeGrants the Energia-avustus to housing companies and rental housing owners🔗 varke.fi
VerohallintoHousehold tax credit for renovation and heating work🔗 vero.fi
Official source: varke.fi · Checked 2026-09-30

🪜 Step by step

  1. Find the national schemeThe official schemes in Finland and who runs them are listed below.
  2. Check the conditions before you orderMany grants must be requested before the work starts, and often need a certified installer or an energy audit.
  3. Get quotesAsk for several quotes that state the equipment and the performance the scheme requires.
  4. Apply on the official portalUse only the official website below. Keep invoices and certificates for the payout or a check.

📇 Who to contact

VarkeGrants the Energia-avustus to housing companies and rental housing owners🔗 www.varke.fi/fi/yhteisot-ja-yhtiot/avustukset-yhteisoille-ja-yhtioille/energia-avustus-2026-2027
VerohallintoHousehold tax credit for renovation and heating work🔗 www.vero.fi/en/individuals/deductions/Tax-credit-for-household-expenses
Alueellinen energianeuvonta (Energiavirasto / Motiva)Free advice on energy costs and saving energyWhen bills are too high or you are behind on payments🔗 energiavirasto.fi/energianeuvonta

❓ Questions

Can I still apply after the work is done?

Often not. Many schemes require the application before the work starts. Check the official portal.

Is there extra help on a low income?

Some schemes pay more to low-income households. The portal below explains who qualifies.

Someone offers to handle the grant for me. Is that safe?

Be careful with door-to-door or phone offers. Check the company and apply through the official portal.

📎 Sources

Checked: 2026-09-30

🧭 Is this still correct?

We check this information carefully, but phone numbers, websites and rules change — and sometimes we get something wrong. Spotted a mistake or a change? Let us know below.

🔗 Also useful

🌡️District heating, oil and LPG→☀️Solar panels→🤝Help with energy costs→🔄Switching supplier→📈Price increase→

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