Thanks for replies. Yes, this is my general concern. I could go to any wholesaler and buy all the kit needed for under 7k and get a trade discount and claim the vat back, but as you say the Installer will do exactly the same thing and charge accordingly. Yes you get the 7k refund removed from the invoice, so as said I guess you just have to suck it up. I need to read up more but do these mcs rules restrict smaller sizes. As I said I estimate for a small 2 bed chalet bungalow highly insulated would only need 5kw heat pump and for me smallest cylinder of 150l