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The government's green loans scheme, designed to help homes improve their cheap energy efficiency, has been met with criticism.
Mark Todd, director of independent price comparison website energyhelpline.com, said the scheme, which was announced this week by Ed Miliband, seems to be largely motivated by the government's desire to fulfil its green agenda.
"They are not going to save customers much money on their energy bills in the near future," he said.
"People may have to stay in their properties for ten to 20 years to make it worth their while. Solar panels typically have a very long payback period; this can be up to 20 years."
Mr Todd suggested that it may not be worthwhile for consumers to get further mired in debt during tough economic times by taking out a green loan.
In the short-term, he urged customers to switch gas and electricity suppliers in order to make immediate savings on their energy bills.
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