Boiler and Bathroom Finance
Available with our finance plan
We can offer you payment options to help with the cost of your installation. We work with a leading UK lender providing finance to millions of homeowners across the UK
Monthly Payments Available With our Heating Finance Plan Glastonbury
Why choose monthly payments?
Spread the costs of your installation, For a monthly payment you can have access to a high specification heating system or bathroom installation.
interest free credit
Spread the cost over a year
25% deposit required
Up to 12 years manufactures guarantee
Simple payments with no additional cost
Example 0% Interest Free Credit
Cash Price – £2,500
Deposit (Min 25%) – £625
Total amount of credit – £1,875
Term – 12 months
12 monthly payments – £156.25
APR Representative – 0%
Fixed rate of Interest – 0%
Spread the cost over 2 years
Low deposit options
Up to 12 years manufacturers guarantee
Easy monthly payments
Cash price; £1,000.00
Amount borrowed £950.00
Term – 24 months
24 monthly payments £43.61
APR Representative 9.9%
Interest payable £96.64
Total payable £1,096.64
Please note that up to 12 months interest-free 0% finance is not regulated by the Financial Conduct Authority. James Wilkins Plumbing and Heating Ltd offers both regulated and unregulated products. The interest free plans which are repayable within 12 months and in no more than 12 instalments are not regulated by the Financial Conduct Authority. Unregulated plans are not covered by the Financial Ombudsman Service. We are an FCA regulated broker and we strive to treat all our customers with the same level of care whether their application is regulated or unregulated
Who we CAN work with
- Minimum age of 18yrs
- UK resident for more than 12 months
- Own personal bank account from which a Direct Debit can be taken
- Owner occupier
- Permanent employment, working minimum 16hrs per week
- Self employed
- Retired person
- On disability allowance
- Unemployed & ‘house person’ (with consent of co-habiting working partner)
Who we CAN’T work with
- Unemployed without a spouse/partner in full time employment
- Temporary positions/Agency workers
- Foster Carers without a spouse/partner who meets our minimum employment criteria
- Child-minders who do not have a registered Créche/Nursery
- Full Time Students (other than trainee nurses and doctors)
- Supply Teachers who do not have a permanent contract with a specific school, we would possibly require the school name and address
Frequently Asked Questions
When do my repayments start?
Payments will begin one month after the goods have been delivered.
Can I change my payment date?
Can I make additional payments?
Can I change my Direct Debit details?
How do I view my balance?
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.
Unfortunately, we are unable to offer finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however, the employment details of your spouse / partner will be required in order to process your application.
Are there any arrangement fees or hidden extras for credit?
Applying for finance
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then electronically sign the agreement or print.
Following receipt of your finance agreement and a few additional checks, your purchase can proceed.
How quickly will my finance application be approved?
All finance decisions will be made within seconds. Once you are approved, we will contact you (during working hours) to finalise your purchase.
If you your application is referred Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.
Once my application is approved, what happens next?
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms. A copy of your credit agreement will be emailed to you once the e-signature has been completed.
Once you have agreed to the terms of the finance agreement the retailer will be notified and you need do nothing more.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance.
Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies.
Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:
Your credit score (please note that every finance company will score you differently)
Adverse credit reference agency information
You are considered to be overcommitted
You are aged under 18
Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts.
Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
What is APR and Rate of Interest?
The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges.
The ‘APR’ is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is “APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers.
The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender
Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK Plc authorised and regulated by Financial Conduct Authority. Finance options are offered subject to status and credit check which must be completed before commencement of works.
Wilkins Plumbing and Heating Ltd, Company number 08961279, registered in England and Wales.