Written by Stephen Day
Gas Safe Engineer
Updated: 9th December, 2025
A simple breakdown of the main central heating systems in UK homes and how to decide which one suits your property.
Get a new boiler quote, save up to £550 per year (0% APR available).
A central heating system warms your home using a single heat source, usually a boiler or a heat pump.
The heat source raises the temperature of water, which then flows through pipes and radiators to keep each room warm.
Most systems in the UK use hot water.
The boiler or heat pump heats water, pumps it around the home and then returns it to be reheated.
Your thermostat tells the system when to switch on or off to keep your home at a steady temperature.
A boiler or heat pump
Radiators or underfloor heating
A pump that moves hot water around the home
Controls such as a thermostat and timer.
(Some systems also have a hot water cylinder. Others produce hot water instantly)
If you ever notice cold patches on a radiator, our guide on how to fix radiator sludge can help you understand what might be causing it.

A combi boiler is the most common choice in UK homes.
It provides heating and hot water directly from the boiler without the need for a hot water cylinder or storage tanks.
A combi heats water instantly whenever a hot tap is turned on.
It switches between heating your radiators and heating your hot water based on demand.
Homes with one bathroom
Small or medium sized homes
Properties with limited storage space
Households that want simple, fast hot water
Compact
No hot water cylinder needed
Heats water only when required
Good energy efficiency in small homes
Can struggle with high hot water demand
Not ideal for homes with two or more bathrooms
Relies on good mains water pressure
A new combi boiler usually costs between £2,000 and £3,000 including installation.
Prices vary depending on brand, model and any additional work required.
A one bathroom terraced home with limited space will often choose a combi because it offers fast hot water without needing a cylinder.

A system boiler heats your home and stores hot water in a cylinder.
This makes it suitable for homes with higher hot water demand.
The boiler heats water for your radiators and also heats stored water in a cylinder.
The cylinder keeps a supply of hot water ready for use.
Homes with two or more bathrooms
Households that use hot water at the same time
Homes with space for a cylinder
Strong hot water performance
Good for larger families
Can run multiple taps at once
No need for loft tanks
Requires a hot water cylinder
Takes up more space
Uses more energy than a combi if hot water is stored and not used
A system boiler usually costs between £2,500 and £3,500 including installation, although prices are higher if a new hot water cylinder is needed.
A four bedroom home with two bathrooms and regular morning showers will often choose a system boiler because it can supply steady hot water to several taps.

A heat only boiler, sometimes called a regular or traditional boiler, is part of an older style system with a hot water cylinder and additional storage tanks.
The boiler heats water and sends it to radiators and a hot water cylinder.
Cold water tanks in the loft feed the system.
Heat only boilers are often best for homes that already have this layout.
Converting to a different system can be costly, so many homeowners keep the same style and upgrade the boiler.
Works well in older properties
Good at handling high hot water demand
Often compatible with existing pipework
Needs loft tanks
Takes up the most space
Slower to install
Less efficient than modern combi and system boilers
A heat only boiler usually costs between £2,300 and £3,300 including installation. Costs vary based on the condition of the existing system.
A large older property with a hot water cylinder and tanks already installed will often replace the existing heat only boiler rather than changing the entire layout.

Air source heat pumps are an increasingly popular option for UK homes.
They use electricity to draw heat from the outside air and transfer it into your home.
A heat pump absorbs heat from the air outside and compresses it to raise the temperature.
The heat is then used to warm your radiators or underfloor heating.
Homes with good insulation
Homes aiming to reduce carbon emissions
Properties with space outside for the heat pump
Homes where radiators can be sized correctly for lower flow temperatures
Very efficient
Lower carbon emissions
Works well with underfloor heating
Provides steady, comfortable warmth
Higher upfront cost
Works best with good insulation
Some homes need radiator upgrades
Requires an outdoor unit
Most air source heat pumps cost between £7,000 and £14,000 depending on the home.
Larger homes or homes needing radiator upgrades can be higher.
If you want to check financial support for low carbon heating, our overview of the Boiler Upgrade Scheme for heat pumps gives a simple breakdown of how the scheme works.
A well insulated three bedroom semi detached home often finds that a heat pump provides steady heating and reduces running costs compared to older boilers.
System type | Best for | Hot water availability | Space needed | Typical cost | Home size |
|---|---|---|---|---|---|
Combi boiler | Small and medium homes | Instant hot water | Least space required | £2,000 to £3,000 | One bathroom |
System boiler | Medium and large homes | Strong hot water supply | Cylinder required | £2,500 to £3,500 | Two or more bathrooms |
Heat only boiler | Older homes already using this layout | Stored hot water | Cylinder plus loft tanks | £2,300 to £3,300 | Medium to large homes |
Air source heat pump | Well insulated homes | Stored hot water | Outdoor unit plus cylinder | £7,000 to £14,000 | Varies by insulation |
Choosing the right heating system depends on several practical factors.
Homes with more than one bathroom usually need a system boiler or heat only boiler for stronger hot water performance.
If you have space for a cylinder, a system boiler or heat pump may be suitable.
If you do not, a combi boiler is often the best choice.
Combi boilers are usually the most cost effective to install.
System boilers cost more but provide better hot water performance.
Heat pumps have higher upfront costs but can reduce running costs in well insulated homes.
Combi boilers rely on strong mains water pressure.
If your water pressure is low, a system or heat only boiler may be more reliable.
Homes with strong insulation are well suited to heat pumps, which run best at lower temperatures.
You may need to replace your heating system if:
Your boiler is over 12 to 15 years old
You experience regular breakdowns
Your heating bills have increased
Hot water flow is weak or unreliable
Repairs are becoming frequent and costly
If you have noticed small leaks around a radiator valve, our leaking radiator valve guide explains the common causes in simple terms.
Only a Gas Safe registered engineer can work on gas boilers.
Heat pumps should be installed by trained and qualified professionals.
If you are deciding whether to repair or replace your boiler, our boiler repair guidance can help you understand the factors an engineer will check.
The best central heating system for your home depends on how much hot water you use, how much space you have and the type of property you live in.
Combi boilers suit smaller homes, system boilers suit homes with higher hot water demand and heat pumps are ideal for well insulated homes looking for lower carbon heating.
iHeat installs new boilers and air source heat pumps, including popular models from Worcester Bosch, Vaillant and Alpha.
Our team can guide you through the options and help you choose a system that suits your home, budget and heating needs.
Free online quotes and fast installation are available across the UK.
Last updated: 9th December, 2025
Written by Stephen Day
Gas Safe Engineer at iHeat
Stephen Day is a Gas Safe registered and FGAS certified engineer with over 20 years of hands-on experience in the heating, cooling, and renewable energy industry, specialising in boiler installations, air conditioning, and heat pump systems.
LinkedInArticles by Stephen Day are reviewed by iHeat’s technical team to ensure accuracy and reliability.
06th January, 2026
Connecting a wood burner to your central heating system can be an efficient way to heat yo...
06th January, 2026
Artificial Intelligence (AI) is changing home heating by introducing smarter, more efficie...
05th January, 2026
Boiler repairs are a critical aspect of maintaining a household's functionality and safety...
No obligation. Takes less than 60 seconds.