Warm Homes: Local Grant (WHLG) is the successor to the Home Upgrade Grant, delivered through participating English local authorities rather than centrally. It runs to March 2028 and targets EPC band D–G properties, aiming to lift them to Band C using RdSAP 10 methodology. What makes it materially different from ECO4 for landlords is the way portfolio ownership is treated.
St Helens was allocated Warm Homes: Local Grant funding by DESNZ for 2025–2028 delivery, so a qualifying rental here has a live route into the scheme (either directly, or through the multi-council programme St Helens delivers under) — this isn't the "check with your council" uncertainty that applies to areas without a confirmed allocation.
The rule most landlord software misses, and the reason a WHLG-eligible St Helens rental can be worth more if you claim in the right order: your first qualifying WHLG property is fully funded, but every subsequent property in your portfolio typically requires a 50% landlord contribution (capped in most council pots at around £7,500 landlord-funded). If you have two St Helens rentals that both qualify, choosing which one to claim first can be worth £3,000–£7,500 in real cash terms.
On top of that, a landlord's cumulative public subsidy — WHLG plus any other publicly-funded scheme — can't exceed the Minimal Financial Assistance ceiling of £315,000 across the current and previous two financial years. That sounds academic until you're running a five-property retrofit programme; at £30k–£60k of grant value per property, a mid-sized portfolio can hit that ceiling meaningfully before it's finished.
St Helens sits inside a dense private rental market where a small portfolio of terraced or period stock is typical. Each of those properties is assessed individually against St Helens's criteria, not as a portfolio, so a landlord can easily have one qualifying property and one that doesn't in the same street.