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Finance

Finance That Works for You

Ready for the home you’ve always wanted? Whether it’s creating a stunning kitchen extension, converting your loft into a new bedroom, or completely reimagining your living space with a full renovation, we know that bringing your dream home to life is an exciting journey.

At West Midlands Home Improvements, we believe that budget shouldn’t stand in the way of this, and we can help you find a payment plan that suits you.

That’s why we offer several ways to spread the cost, with options including interest-free credit for up to 3 years, buy now pay later arrangements, and longer-term solutions, with all our finance options fully FCA-regulated.

Easy Ways to Pay

Because West Midlands Home Improvements believe in treating our customers fairly you can pay us direct for your new windows and doors via any of the following methods:

  •  Cash 
  •  Cheque 
  •  Debit Card 
  •  Credit Card 
  •  Credit Agreement  

Why not spread the cost?

It’s easy to spread the cost and finance your home improvements with West Midlands Home Improvements. Spread the cost or buy now, pay later – we can help you to get the windows and doors that you want at a price that makes you happy. 

We’ll make it quick and easy  for you too with:

  •  No deposit required – keep your hard-earned savings working for you

  •  It’s unsecured – your loan is not secured on your home.

  •  Quick decisions on approval

Products Available:

Borrow up to £50k for up to 20 years

Early Repayment / Settlement / Over-payment

  • Customers can settle in full at any time*
    *Call the Bank for a settlement figure – there will be a settlement charge (ERC) which will be up to 2 months interest. This is made up of the balance of the month you are in and 28 days interest. The settlement figure is valid for 28 days.
  • Alternatively, customers can make regular or lump sum over-payments in addition to the minimum monthly payment*
    *These can be made by standing order, internet banking transfer or using a debit card over the phone to Tandem Bank. Reducing the interest payable and term of the loan.

0% finance available for up to £20k

Early Repayment / Settlement / Over-payment

  • Customers can settle in full at any time
    *Spread the cost completely free of interest.
    *Overpayments are free of charge.
    *Reduce the term of your loan agreement by overpaying.
    *Settle the loan early with no early repayment fees.
    *You will also benefit from the extra protection provided by the Consumer Credit Act 1974.

Buy Now Pay Later – Defer payments for 6 months (Interest free)

Have your goods now and pay later.

  • If you don’t repay within the deferred period payments will begin at the stated interest rate.
  • Overpayments are free of charge.
  • Reduce the term of your loan agreement by overpaying.
  • You will also benefit from the extra protection provided by the Consumer Credit Act 1974.

Why Finance:

  • Affordability
  • Convenience
  • Peace of mind – connected lender liability
  • Keep savings intact
  • Payment flexibility
  • Low deposit
  • Double indemnity
  • Soft-Search until agreement is executed

Requirements:

  • Over 18 years of age
  • Maximum age 85 (84 years and 364 days) at the end of the term
  • England, Wales or Scotland resident (excluding Northern Ireland)
  • Applications in single name but whole household income information collected
Standard call back form
Get in touch with West Midlands Home Improvements for a free quotation. Fill out the form below and we’ll get back to you, or call us on 0121 726 6730.
What are you interested in?
Do you qualify for a NHS discount?
Do you have planning permission secured? (if necessary)

Maximum file size: 268.44MB

West Midlands Home Improvements Limited is authorised and regulated by the Financial Conduct Authority, 928093. We are a credit broker and not a lender and offer credit from a panel of lenders. We may receive commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. Credit is subject to status and affordability, not subject to application and status

*subject to age, status and affordability

**Capped at £5,000 for the standard offer & can’t be used in conjunction with 0% finance

© West Midlands Home Improvements | Designed And Developed By Limitless Solutions