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Air-to-air or air-to-water: which heat pump suits your home?

Compare air conditioning style heat pumps with air-to-water systems for cost, comfort, hot water and grants.

4 min read · Updated October 2026

The short answer

Air-to-air (air conditioning) heats and cools room by room and is cheaper and quicker to fit. Air-to-water replaces your boiler, runs radiators and also heats your hot water. Many homes end up with a mix: air-to-water for the whole house, or air-to-air in the rooms you use most plus a separate hot water solution.

Air-to-air suits you if

  • you want cooling in summer
  • you live in a flat or a smaller home
  • you want to cut the use of an old boiler or electric heaters quickly
  • you do not want to change radiators

Air-to-water suits you if

  • you want one system for heating and hot water
  • you have room for a cylinder
  • you want the largest grant (£7,500, or £9,000 from oil)

Hot water is the key question

Air-to-air systems do not heat water. If you have a combi boiler and replace it with air-to-air, you still need a way to heat water, such as keeping the boiler for hot water only, a heat pump cylinder or an immersion cylinder with solar.