Living Spaces Buyers Guide

This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 60, 120 or 154 months*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. No security is required on these loans. These calculators are for illustrative purposes only and do not constitute a credit quotation. Loan terms of 120 months available up to £14,999.00.  154 months loan term is only available on orders between £7,500 to £14,999.00.  For loan values of £15,000 and over the lower rate of 9.9% APR is available, this includes a 3 month deferral period at the start of the agreement on loan terms of 120 or 177 months.

This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 120 or 177 months*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. No security is required on these loans. These calculators are for illustrative purposes only and do not constitute a credit quotation. *Deferred for 3 months from the date of completion - £29 exit fee applies if the loan is repaid in full during the deferral period and no interest will be paid. *This 120 or 177 months finance is only available for orders over £15,000 and up to a maximum of £50,000

Pay a 20% deposit when you order and, and as long as you pay the outstanding balance in full before 6 months has elapsed (plus a £29 exit fee), no interest will be charged. You will have 6 months to clear the balance to avoid paying any interest (except the £29 exit fee). If, after 6 months, this is not convenient, you can pay in 120 monthly instalments at 19.9% APR Representative. *Deferred for 6 months from the date of completion - £29 exit fee applies if the loan is repaid in full during the deferral period and NO INTEREST will be paid. If the loan is not settled in full within the deferral period, then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period. Interest will continue to be charged until the agreement is repaid in full. For legal reasons the Representative Example shows interest IF the outstanding balance is NOT paid before the 6 months has elapsed. No security is required on this loan. These calculators are for illustrative purposes only and do not constitute a credit quotation.