Finance options available including 'Buy now pay later' - Learn More

We understand that investing in new doors and windows is a long-term commitment and is a decision that takes due consideration. We also know that choice is really important.

In the same way we offer a wealth of options when it comes to choosing the most appropriate doors and windows  <<brand>>, <<style>> and <<colour>> to perfectly complement your home, we also offer a number of purchasing options. 

Whether you choose a cash purchase or self-funding, an interest bearing option, or buy now, pay later, you can be assured there are a number of different options for you to consider.

So that Home Improvement Dream Project could become reality quicker than you think!

Kettell’s financing options

We have partnered with lending experts Shawbrook Bank Ltd who, since 2011, have offered very competitive rates of interest and a more flexible alternative to the high-street banks.

We can help you:

  • Purchase doors and windows in a way most financially comfortable to you
  • Implement your home investment plans without delay
  • Full white uPVC casement windows installation

    Option 1

    Cash Purchase or Self Sourced Funding

    Pay for your purchase in full with a 25% deposit and a 75% payment on installation.

    Option 2

    Low Rate Monthly Finance – Interest Bearing Credit 12.9% APR Representative

    12.9% APR Representative variable. Available over 5 or 10 years.

    You have the option to make additional repayments at any time, which could reduce the term of your agreement and the total interest payable (Early settlement charges may apply).

    Representative example:

    Cash price £5,000; Deposit £1,250; Amount of Credit £3,750; Rate of Interest 12.9% p.a. fixed; 12.9% APR representative; Duration of agreement 120 months; 120 monthly repayments of £54.32; Total Amount repayable £6,518.78

    Option 3

    Buy Now Pay in 6 Months  12.9% APR Representative

    If you repay the agreement in full during the 6 month deferral period then the lender will not charge you interest OR you will commence 120 monthly repayments at 12.9% APR Representative fixed – in this case interest will be calculated in line with the below conditions:

    1. Spread the cost with buy now pay later finance available.
    2. If you repay part of the loan on or before the date of the first repayment, the lender will not charge you interest on the part of the loan you repay. When the lender receives your payment, they will reduce your loan balance by the sum of your repayment plus the interest rebate.
    3. If you make a full or partial settlement payment to the lender after the date of the first repayment you will not be entitled to a refund of any interest incurred prior to the date the lender receives the payment. You may be entitled to an interest rebate, which will be calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
    4. The buy now pay later finance option allows you to spread the cost of your purchase over your chosen term with an agreed non-payment period.
    5. If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest but will pay an early settlement fee which is displayed at the start of your application and in your credit agreement.
    6. If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term with interest charged at the rate set out in your credit agreement. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live.
    7. Only available to UK residents over 18, subject to terms and conditions, minimum spend applies. To apply for finance, please add the product to your cart, proceed through checkout and select ‘Apply For Finance’ as your payment option where you can complete the application form online.

    Representative example:

    Cash price £5,000; 25% Deposit £1,250; Amount of Credit £3,750; Rate of Interest 12.9% p.a. fixed; 12.9% APR representative. Duration of agreement 120 months; 120 monthly repayments of £57.73; Total Amount repayable £6,924.04.

    What financing option is right for me?

    We are very happy to talk you through the options if you would like to call us or arrange an appointment at our showroom.

    Get in touch

    Signing up to finance for your doors and windows purchase 

    The basic underwriting criteria for the finance scheme are as follows:

    1. Joint names desirable.
    2. Applicant must be the homeowner or owner occupier.
    3. Minimum 3 years’ address history required. 
    4. Advance of £1,000 minimum and £50,000 maximum. 
    5. Minimum income level of £10,000 from:
      1. Employed/self-employed income.
      2. State/private pension. 
      3. Investment income (rental/annuity/stocks and shares). 
      4. DLA/Incapacity Benefit (Tier 2). 
    6. Minimum age at acceptance is 21 years old. Maximum age 79.
    7. Loan to be finished by 85th Birthday.

     

    Our responsibilities as a broker:

    It is our duty as a broker to be clear and transparent. Please read the following information.

    1. Finance is not available to everyone and should be considered carefully before going ahead.
    2. Finance is not without risk. 
    3. Kettell is a trading style of Kettell Windows Limited, Unit 12, The Warren, East Goscote, LE7 3 XA Reg. No. 05405761 and is authorised and regulated by the Financial Conduct Authority, FRN: 917971. Kettell is a credit broker and not a lender, and only offers credit facilities from Shawbrook Bank  with whom we have a commercial relationship and we may receive a commission. Credit is subject to status and affordability. 
    4. Credit is subject to status & affordability. This includes a Credit Reference Agency Search (CRA) at point of application. The system prompts the search. If the lender decides not to proceed with the customers application for credit as a result of the information obtained from the CRA. The lender does not say why it has been refused but refer them to the CRA. The underwriter cannot give information on the specific reason of the decline due to the lending policy. 

     

    Right of Withdrawal

    The customer has the right to withdraw from the credit agreement before the end of 14 calendar days. This begins on the day the agreement is accepted and signed by all parties. 

     

    FCA Regulated Retailer 

    As a Financial Conduct Authority (FCA) regulated retailer who offers finance we follow a strict complaints policy & procedure which can be accessed via this link: Complaints Procedure 

     

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      Get in touch with the team at Kettell

      Address

      • Kettell Doors & Windows,
      • Showroom, Office & Warehouse,
      • Unit 12, The Warren,
      • East Goscote, Leicester,
      • LE7 3XA

      Opening hours

      Monday-Friday 8am-4pm,
      Saturday 10am-2pm

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