Finance OptionsNo 1 Home Improvements Funding Choices

No 1 Home Improvements Ltd are authorised and regulated by the Financial Conduct Authority.

You can confirm our details by visiting the Financial Services Register at https://register.fca.org.uk/ Our Firm Reference Number is 729322.

We act as a credit broker and not the lender. The lender will either be Hitachi Personal Finance, Shawbrook Bank Limited who are all authorised and regulated by the Financial Conduct Authority.

We do not receive any commission and we do not charge you any fees for our credit broking services.

We can only provide you with information, not advice, and all credit applications are subject to status.

Choice 1 – Cash

Purchase Price:£5,000
Deposit:10%£500
Survey Payment:30%£1500
Pre Installation Payment:30%£1500
Final Payment:30%£1500

 

Choice 2 – Buy Now – Pay Later

Upgrade to No 1 Home Improvements with nothing to pay for 12 months.

REPRESENTATIVE EXAMPLE
Cash Price£5,000
Deposit ofNil
Loan Total Loan Amount£5,000.00
Repayable by 120 Repayments of£107.55
Total Charge for Credit£7,906.00
Total amount Repayable£12,906.00
Interest18.3% per annum variable
REPRESENTATIVE APR 19.9% VARIABLE

 

If you repay the loan amount before 12 months after installation of the goods then no interest will be payable. If you do not repay the loan amount within 12 months after installation of your goods then interest will be payable backdated to the date of installation of your goods as per the terms of your loan agreement.

If it is your intention to use the monthly payment option available after the Buy Now Pay Later period has expired, this product may not be the cheapest option for you. We offer a lower APR on our Low Rate Flexible Account, please see the example below.

 

Choice 3 – Low Rate Flexible Account

Upgrade to new energy efficient windows from under £99 per month*

Representative 6.1% APR variable

*£99 a month is an example based on a typical 3- bedroom house. The monthly amount you will pay will depend on the size of your house and the product you require and could cost you more or less than £99 a month.

REPRESENTATIVE EXAMPLE
Cash Price£5,000
Deposit ofNil
Loan Total Loan Amount£5,000.00
Repayable by 60 Repayments of£96.43
Total Charge for Credit£785.80
Total amount Repayable£5785.80
Interest5.9% per annum variable
REPRESENTATIVE APR 6.1% VARIABLE

 

The above example is over 5 years and whilst our maximum loan period is 10 years many customers like the flexibility of being able to clear their loan early. You commit to making minimum monthly repayments but you can also make additional payments.

You can make these additional payments to your loan at any time to suit your budget. By making additional payments you will reduce the amount of interest you would otherwise pay and also reduce the term of your loan.

You have the right under the Consumer Credit Act 1974 to repay all or part of the outstanding balance at any time. If you wish to repay the outstanding balance early please contact the finance provider and they will provide you with a settlement figure upon request. If you do wish to settle your account, the settlement figure they calculate for you will include 28 days’ notice and an additional 30 days’ interest that they are entitled to by law to charge. They will also provide details as to how to settle the account.

The Maximum interest to settle your account is therefore 58 days of the outstanding balance.

No.1 Home Improvements Ltd are authorised and regulated by the Financial Conduct Authority. FRN 729322 We act as a credit broker not a lender and have a panel of lenders.

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