Finance Terms & FCA Disclosure

How our finance offer works

Clarendon Home Improvements Essex Ltd does not provide finance directly. We work with Ideal4Finance, a credit broker authorised and regulated by the Financial Conduct Authority, who arrange finance with a panel of UK lenders.

Headline rate: 11.9% APR representative, available over 36, 48, 60 or 120-month terms, subject to status.

Representative example

• Cash price: £5,000
• Deposit: £1,250
• Loan amount: £3,750
• Term: 60 months
• Monthly payment: £83.23
• Total amount payable: £4,993.64
• Total interest: £1,243.64
• Representative APR: 11.9%

The example above is illustrative. Your actual rate, monthly payment and total amount payable will depend on your circumstances. Finance is subject to status and credit checks.

Risk warning

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you fail to make payments on time, your credit rating may be affected and additional charges may apply.

Right to withdraw

You have a 14-day right to withdraw from any credit agreement starting from the day after the agreement is signed, without giving any reason. To exercise this right, contact your lender directly.

Complaints

If you are unhappy with the finance service you receive, please first contact:

Ideal4Finance customer support: 020 3617 4647

If your complaint is not resolved to your satisfaction, you can refer the matter to the Financial Ombudsman Service at financial-ombudsman.org.uk.

FCA disclosure

Clarendon Home Improvements Essex Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd t/a Ideal4Finance. Ideal Sales Solutions is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number 703401). Ideal4Finance acts as a credit broker, not a lender, and works with a panel of lenders. Finance subject to status. Terms and conditions apply.