Can I get it with bad credit?

All loan applications are credit scored by the lender we use – in this case Creation Consumer Finance Ltd in Belfast. This means the company will check and calculate your data via a registered credit reference agency. At the same time, they will also assess the information that you have outlined for them. Provided your application has a credit scoring high enough to tick the lender’s minimum acceptance threshold then your loan should go through.


What products can I have finance on?

At Sovereign Home Improvements we offer 0% finance on the installation of all our windows, doors and conservatory replacements  to each and every prospective customer. You will also find that a large selection of windows and doors that we provide also come with 0% APR. It means you can have a new door, conservatory or window replacement when you want and need it most – rather than having to wait years. And indeed, with the energy efficiency of our windows and doors, you will end up saving money over the years on your utility bills. Our credit is, of course, subject to status, while terms and conditions also apply.


What is your interest rate?

Our interest rate is 0%. This means you can enjoy the pleasure of new windows, doors NOW without having to save up for years or pay hundreds of additional pounds in interest charges. We enjoy enhancing our customer’s homes and love seeing their delight from their new windows, doors or extensions. So why wait? Our typical credit loan would be £3000 with 120 months (10 years) payments of £25. This includes free interest and no 0% APR. Alternatively you could take out a loan of £2000 over 24 months, with 9.9% APR, 0% interest. You would pay £91.80 per month, resulting in a total cost of £2203.20.


Do you offer 0%?

Yes! Here at Sovereign Home Improvements we are happy to offer interest-free credit options to all our customers. This is available for windows, doors and all products come with lengthy warranties so you don’t have to worry there either. Many of our windows and doors also come with a 0% APR rate. Our role for customers is as a credit broker (rather than a lender). The lender we use is Belfast-based Creation Consumer Finance Ltd and which is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518). This means that should the company go under your money is protected.


How many years finance can I have?

You can access from as little as 36 months up to 10 years of credit from our Sovereign Home Improvements finance packages. And that’s at 0% interest. On some of our windows and doors there is even 0% APR. Spreading the cost of buying new windows and doors – at the end of your payment plan you should have added thousands of pounds onto the value of your home in real terms. Apply for credit with ourselves and you will find no hidden costs either. Your initial bill is all you will ever pay.