Finance

Spread the cost with flexible finance

At Heritage (UK) Services, we understand that customers may prefer to pay with finance, so we've partnered with established credit brokers, Ideal4Finance, to enable you to spread the cost with monthly payments.

View finance calculator

Finance options

The following options are available, always subject to the lender's assessment:

0% APR finance over 12 or 24 months
11.9% APR finance over 36, 48, 60 or 120 months

You can apply to borrow from £1 to £30,000. The finance facility does not set a minimum or maximum deposit; we will agree any deposit included in your quotation before you apply.

Ideal4Finance help thousands of people secure finance for their purchases. They use only reputable lenders and are Trustpilot-rated ‘Excellent’.

Calculate your monthly repayments

Choose your project cost, deposit and preferred repayment period to see an illustration of your monthly payments.

Total project cost

Deposit paid up front

Your deposit is 20% of the project cost

Amount of creditThe project cost less your deposit. Finance runs from £1 to £30,000.

£8,000

12 months1 yearAPR 0%per month £666.67total repayable £8,000.0024 months2 yearsAPR 0%per month £333.33total repayable £8,000.0036 months3 yearsAPR 11.9%per month £265.33total repayable £9,551.9748 months4 yearsAPR 11.9%per month £210.28total repayable £10,093.3560 months5 yearsAPR 11.9%per month £177.55total repayable £10,653.09120 months10 yearsAPR 11.9%per month £114.31total repayable £13,717.77

Set an amount of credit between £1 and £30,000 to see an illustration.

You would pay

£333.33

a month for 24 months at 0% APR

Total interest payable: £0.00
Total amount repayable: £8,000.00
Total cost of purchase: £10,000.00

Apply online with Ideal4Finance

Or apply by phone: 020 3617 4647 (Mon to Fri, 9am to 5pm)

Please note: the finance calculator provides only a guide and the exact amounts will be confirmed during the application process.

Important information:

Heritage (UK) Services Limited is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.

Applying for finance

You can apply online anytime, and decisions are made quickly. The final decision is based on your individual circumstances, including your personal credit profile, how much you want to borrow and the loan period.

Representative example

Here is a representative example of a £5000 purchase made over 5 years with a 25% deposit:

Purchase price: £5000
Deposit amount (25%): £1250
Total credit: £3750
Loan term: 60 months
APR: 11.9% (fixed)
Monthly repayment: £83.23
Total repayable: £4993.64
Total cost of purchase: £6243.64

There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.

Tell us about the work

Share the property, where it is and what you have in mind. We will come back to you to talk it through.

Discuss your project

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