Blog  ·  3 min read  ·  23 October 2026

Air to water heat pumps explained

The most common type of heat pump in UK homes: how an air to water heat pump works, the different types and what it costs to install.

Air to water heat pumps explained

An air to water heat pump takes heat from the outside air and transfers it into water, which then circulates through your radiators or underfloor heating and heats a hot water cylinder. It's a direct replacement for a gas, oil or LPG boiler, and it's the type of heat pump covered by the £7,500 Boiler Upgrade Scheme.

How an air to water heat pump works

  1. A fan draws outdoor air over a heat exchanger containing refrigerant.
  2. The refrigerant absorbs heat and evaporates, even when it's well below freezing outside.
  3. A compressor raises its temperature.
  4. A second heat exchanger passes that heat into your central heating water.

Our step-by-step guide to how heat pumps work goes into more detail.

Monobloc vs split air to water heat pumps

MonoblocSplit
RefrigerantSealed in the outdoor unitPiped between outdoor and indoor units
Indoor equipmentCylinder and controlsIndoor hydrobox, cylinder, controls
InstallationSimpler, any heating engineer with MCSNeeds F-gas qualified engineer
Common in UK?VeryLess so

Air to water vs air to air

An air to air heat pump heats rooms by blowing warm air through indoor units, like air conditioning in reverse. It can't heat hot water and needs a separate solution for that. An air to water system heats both your rooms and your hot water through your existing pipes, which is why it's the usual choice for replacing a boiler.

What does an air to water heat pump cost?

Most homes pay £8,000 to £16,000 installed before the grant, or roughly £1,500 to £8,000 after the £7,500 Boiler Upgrade Scheme deduction. See the full cost breakdown.

Is my home suitable?

Most homes with a wet central heating system are. You need outdoor space for the unit, somewhere for a hot water cylinder, and radiators that can heat each room at a lower flow temperature (some may need upgrading). An installer confirms all of this in a free survey.

Sources

Grant amounts, VAT rules and eligibility are set by government and the scheme administrators. We check them against these primary sources:

New to the jargon? See the heat pump glossary, or browse the heat pump FAQs.

Written by the GetASHP team. Prices and grant details checked 23 October 2026; always confirm current figures with your installer.

Questions

The things people ask us first

If yours isn't here, ask on the form and an adviser will answer it on the call.

Is an air source heat pump the same as an air to water heat pump?
Usually, yes. In the UK, 'air source heat pump' normally means an air to water system that heats radiators and hot water. Air to air heat pumps are a separate type that blow warm air into rooms.
What's the difference between monobloc and split heat pumps?
A monobloc keeps all the refrigerant in the outdoor unit and sends heated water into the house. A split system has a refrigerant circuit between an outdoor and an indoor unit. Monoblocs are more common in UK homes and simpler to install.
Do heat pumps work in cold weather?
Yes. Air source heat pumps extract heat from outside air down to around -20°C and are used widely across Scandinavia. Efficiency dips on the coldest days, which is why a correctly sized system matters, but a well-designed install keeps a UK home warm all winter.
Will I need new radiators?
Not always. Heat pumps run at lower flow temperatures than boilers, so some radiators may need to be upsized to keep each room warm. Your installer works this out with a room-by-room heat loss calculation and includes any changes in your quote.
Get started

Your warmer home starts here

Answer six quick questions to check your eligibility for the £7,500 Boiler Upgrade Scheme grant and get a free quote from an MCS-certified installer.

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