Finance

We offer a variety of payment options so that your dream home improvements are never out of reach

Choosing to fund the work yourself? We accept payment in any of the following methods:

• Cash
• Cheque
• Debit Card
• Credit Card
• Bank Transfer

We are also able to offer a variety of packages through our lenders to assist our customers in spreading the cost. (Subject to status, subject to application, financial circumstances and borrowing history, terms and conditions apply, see below)

Finance available at point of sale offered through Barclays Partner Finance: Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number:311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London, E14 5HP.

1. Buy Now Pay in 12 Months – 9.9% Representative APR

   Minimum amount financed £1000. Deposit is optional. If you repay the agreement in full during the 12 month deferred period then the lender will charge you zero interest (Early settlement fee of £49 applies). If you fail to pay the agreement in full within the 12 month period you will enter into 120 month agreement at 9.9% APR Representative.

   Representative Example

   Buy Now Pay Later 12 month option - Cash Price £3000, Initial Deposit Payment £300. Amount of Credit: £2700. Rate of Interest 9.9% Variable; 9.9% Apr representative. Agreement Duration: 132 months. 120 monthly repayments of £38.06. Total amount repayable £4567.20.

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   If you repay the loan in full on or before the date of your first repayment, the lender will not charge you interest, but the lender may charge you a settlement fee, if this applies.

   If you repay part of the loan on or before the date of the first repayment, the lender will not charge you interest on the part of the loan you repay. When the lender receives your payment, the lender will reduce your loan balance by the sum of your repayment plus the interest rebate.

   If you make a full or partial settlement payment to the lender after the date of the first repayment you will not be entitled to a refund of any interest incurred prior to the date they receive the payment. You may be entitled to an interest rebate, which the lender will calculate in accordance with the Consumer Credit (Early Settlement) Regulations 2004.

2. Low Rate Monthly Finance – 9.9% Representative APR

   9.9% Apr Representative. Minimum financed value of £1000 Available over 3 years, 4 Years, 5 years, 10 years (or 15 years for orders over £15000). You have the option to make additional repayments at any time during this agreement which in turn could reduce the time it takes to repay your agreement and reduce the interest payable (Early settlement fees may apply).

   Representative Example

   Low Rate over 3 year period - Cash Price £3000, Initial Deposit Payment £300. Amount of Credit: £2700. Rate of Interest 9.9% Variable, 9.9% APR Representative. 36 Monthly repayments of £86.46, Total amount repayable £3112.56.

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