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Introducing our Finance Options

Whether you are in need of a conservatory to provide more space for your growing family, or new windows and doors to keep your home warmer in the winter months Swain & Rands are here to help. The initial outlay for home improvements can be daunting so why not spread the cost with us. You could benefit for many years, enjoying your new home improvement plus adding value to your property. Please call to speak to one of our friendly team and find out more.

Option 1 – Buy Now, Pay Later 12 Month Deferral 

Cash Price of Goods: £15,000

Deposit: £1500.00

Amount of Credit: £13,500.00

Interest Rate: 14.9% p.a. fixed

Term in Months: 48

Amount of Each Repayment: £390.66

Total Amount Repayable: £20,251.66

Early Settlement Fee: £29.00

Monthly payments will commence 12 months from the date your agreement starts and will be payable on the same day in each subsequent month. We will tell you the due date of the first repayment. If you settle the outstanding balance before the first repayment is due then we will waive all interest charges and just charge an administration fee of £29.00.

Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974

 

Option 2 – Buy Now, Pay Later 6 Months Deferral

Cash Price of Goods: £5,000.00

Deposit: £500.00

Amount of Credit: £4,500.00

Interest Rate: 14.9% p.a. fixed

Representative APR: 14.9%

Term in Months: 48

Amount of Each Repayment: £130.22

Total Amount Repayable: £6,750.56

Early Settlement Fee: £29.00

Monthly payments will commence 6 months from the date your agreement starts and will be payable on the same day in each subsequent month. We will tell you the due date of the first repayment. If you settle the outstanding balance before the first repayment is due then we will waive all interest charges and just charge an administration fee of £29.00.

Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974

 

Credit subject to status and affordability. Terms & Conditions Apply. Swain and Rands Limited trading as Swain and Rands Limited is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC,  authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk

Find all the details of our FCA Agreement here.

Request a Callback

if you would like to speak to one of our expert members of staff regarding our range of finance options, you can request a callback fro a time that suits you!

Start Your Quote Request

Want to get started transforming your home? Start a quote request and begin your very own home improvements journey.

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