1. Introduction
This document sets out the full terms and conditions of the 1 and 2 Years Interest-Free Finance offer and 11.9% interest provided by SureFix Home Improvements in partnership with our authorised finance provider.
By applying for finance, you confirm that you have read, understood, and agreed to these terms.
2. Finance Provider & Regulation
Finance is offered in partnership with a panel of lenders a registered and authorised lender regulated by the Financial Conduct Authority (FCA).
We are authorised and regulated by the Financial Conduct Authority FRN 800094. We are a credit broker not a lender and offer credit facilities from a panel of lenders. Credit is subject to status and affordability.
For questions regarding your finance agreement, repayments, or terms, please contact the lender directly.
3. Eligibility Criteria
To apply for finance, you must meet the following requirements:
Be 18 years or older
Be a UK resident with a valid UK bank account
Be employed, self-employed, or retired with a stable income
Pass a credit check and affordability assessment conducted by the lender
Provide valid identification (such as a passport or driving licence)
4. Finance Agreement Terms
0% Finance only available on Composite Doors
Finance Type | Interest-free credit agreement |
---|---|
Loan Term | Fixed 12-month / 24-month repayment term |
Interest Rate | 0% APR (No interest charged) |
Deposit Required | 25% of total door cost |
Repayment Method | Monthly direct debit to the finance provider |
Late Payment Consequences | Additional charges from the lender and may affect your credit score |
EXAMPLE 12 Months | EXAMPLE 24 Months |
---|---|
Total Purchase Price: £1,560 | Total Purchase Price: £1,560 |
Deposit: £390 | Deposit: £390 |
Monthly Payments: £97.50 per month for 12 months | Monthly Payments: £48.75 per month for 24 months |
Total Repayable: £1,560 | Total Repayable: £1,560 |
11.9% APR Available on all products (excluding Composite Doors)
Example of £2,500 at an 11.9% interest rate (APR) over different terms:
Term (Months) | Monthly Payment (£) | Total Repayable (£) | Total Interest (£) |
---|---|---|---|
120 | £36.11 | £4,333.06 | £1,833.06 |
84 | £41.83 | £3,513.54 | £1,013.54 |
60 | £55.43 | £3,325.79 | £825.79 |
48 | £65.46 | £3,142.07 | £642.07 |
36 | £81.93 | £2,949.42 | £449.42 |
5. Application Process
Select Your Door: Choose your preferred composite door using our Online Door Builder or visit our showroom.
OR Receive a quote for goods, confirm quote
Apply for Finance: Complete a short online application form with our finance provider.
Credit Check & Approval: The lender will conduct a credit check and affordability assessment.
Sign the Agreement: Once approved, review and sign your finance agreement.
Order Confirmation & Installation: Your door will be scheduled for fitting.
Applications are subject to status and lender approval.
6. Payment & Repayments
Payments must be made on time via direct debit from your bank account.
If a payment is missed, the lender may charge a fee and report the missed payment to credit reference agencies.
If you experience financial difficulties, contact the lender as soon as possible to discuss alternative payment arrangements.
7. Early Repayment & Settlement
You can pay off your finance agreement early without penalty.
Contact the lender directly to arrange an early settlement or lump sum payment.
If you pay off early, you only pay the outstanding balance with no additional interest.
8. Cancellation & Refunds
You have a 14-day cooling-off period from the date of signing the finance agreement to cancel without penalty.
If you cancel your finance agreement after the cooling-off period, you must arrange an alternative payment method or settle the balance in full.
Refunds on products purchased through finance are subject to our general returns policy.
9. Financial Conduct & Complaints
SureFix Home Improvements complies with FCA regulations and follows responsible lending practices.
If you have a complaint regarding your finance agreement, please contact the lender directly.
For complaints related to SureFix Home Improvements, please email info@surefixltd.co.uk or call 023 9226 8222
10. Legal Disclosures
SureFix Home Improvements Ltd is a credit broker, not a lender.
Finance is subject to status, affordability checks, and lender approval.
The lender is fully regulated by the Financial Conduct Authority (FCA).
Credit agreements are legally binding, and failure to meet repayments may result in legal action or affect your credit score.