Nothing to pay until

2026

(on selected products)

Credit Subject to Status, Offers Subject to Change without notice, Offers not available on all products, Ask for a personalised quotation

Nothing to pay until 2026

With this option, the balance of the contract is deferred for a period of time. During the deferral period you can if you wish, although you are not required, make payments to reduce the balance.

Pay nothing until 2026 means that you will have selected NOT to have your installation until on or after the 1st of January 2025. If you agree to have an installation prior to the 1st of January 2025, you will start making payments 12 months after you have signed the Satisfaction Note, this date will NOT be in 2026. Unless you want to be charged interest, you must also pay off the full balance by the end of the 12 month deferral period.

If you repay all of the balance by the end of the deferral period you will pay no interest, there may be an exit fee of £29 on some funding products.

However, if you fail to repay all of the balance by the end of the deferral period, you will incur interest which will be backdated to the date your agreement commenced, interest will be charged on the whole of the balance outstanding, and there may be additional fees.

The typical example below shows how much interest you would pay on a typical loan of £3500 if you do not pay off the balance by the end of the deferred period.

How much can I borrow?

Credit Subject to Status, Offers Subject to Change without notice, Offers not available on all products, Ask for a personalised quotation.

Example Payment:

Representative APR 19.9% variable
Cash Price	£3,500
Deposit of	£0
Amount of Credit	£3,500
Interest Rate (Fixed p.a.)	19.9%
Representative APR	19.9%
Duration (inc. 12 months deferral period)	132
120 Monthly Payments of	£75.25
Total Amount Payable	£9,030.00
Settlement Fee	£29.00

Free Upgrade To

Triple Glazing

(on selected products)

Offers subject to change without notice. Offers not available on all products. Ask for a personalised quotation

Free Upgrade to Triple Glazing

Triple glazing improves on double glazing, by including three panes of glass. This gives 2 air gaps to insulate your home from the external temperature.

Triple glazing windows are over twice the efficiency of double glazing, and almost five times as efficient as older style single glazed windows.

For a limited time, we are offering a free upgrade to triple glazing on our uPVC Casement Windows.

No Deposit

Required

You are not required to make a payment when signing your contract

No Deposit Required

This means that you are not required to make a payment when signing your contract.

You can if you wish to make a deposit payment. This will reduce the time taken to repay any funding facility offered and where a funding facility has interest attached, paying a deposit will reduce the amount of interest paid.

Example Payment:

Representative Example
Cash Price	£3,500
Deposit of	£0.00
Amount of Credit	£3,500
Duration of Agreement	120
Interest Rate (Fixed p.a.)	11.9%
Representative APR	11.9%
120 Monthly Payments of	£48.80
Total Amount Repayable	£5,856.00

Up To

7 Years

Interest Free Credit

(on selected products)

Credit Subject to Status, Offers Subject to Change without notice, Offers not available on all products, Ask for a personalised quotation

Up to 7 Years Interest Free Credit

Interest-Free Credit – With this option, you can spread the cost over a period of time free from fees or interest. The period of interest-free will depend on the product selected and the value of your purchase. Interest-Free Credit payments where not preceded by a deferred payment period will commence one month after the installation.

Credit Subject to Status, Offers Subject to Change without notice, Offers not available on all products, Ask for a personalised quotation

Example Payment:

Representative APR 0%
Cash Price	£3,500
Deposit of	£0
Total Loan Amount	£3,500
Repayable by 36 Monthly Payments of	£97.22
Total Charge for Credit	£0
Total Amount Repayable	£3,500

Other Options Explained

No Deposit

This means that you are not required to make a payment when signing your contract. You can if you wish to make a deposit payment. This will reduce the time taken to repay any funding facility offered and where a funding facility has interest attached, paying a deposit will reduce the amount of interest paid.

Buy Now Pay Later

With this option, the balance of the contract is deferred for a period of time. During the deferral period you can if you wish, although you are not required, make payments to reduce the balance. If you repay all of the balance by the end of the deferral period, you will pay no interest, there may be an exit fee of £29 on some funding products. However, if you fail to repay all of the balance by the end of the deferral period, you will incur interest which will be backdated to the date your agreement commenced and potentially fees.

Interest-Free Credit

With this option, you can spread the cost over a period of time free from fees or interest. The period of interest-free will depend on the product selected and the value of your purchase. Interest-Free Credit payments where not preceded by a deferred payment period will commence one month after the installation.

Nothing to Pay Until 2026

If using a deferred period together with interest-free credit, then your monthly payments will start 9 months following the date your application was accepted by the lender. Nothing to Pay Until 2026 with a period of interest-free credit apply to applications accepted by the lender on or after the 1st of January 2024. If you made an application for nothing to pay for 9 months followed by an interest-free period on a date in 2023/2024 then you will commence monthly payments 9 months after the date that agreement was accepted by the lender. If you were accepted for a deferred period of 12 months with no application for an interest-free period, following the deferral period, your monthly payments will commence 12 months after the date you signed the satisfaction note to the supplier if you have not cleared the full outstanding balance.

All credit is subject to status, a credit and affordability check will be completed.

Option 1: Standard Cash Terms (see table below)
Option 2: No Deposit - Buy Now Pay Later (Deferral period subject to spend criteria)
Option 3: No Deposit & Flexible Monthly Payments
Option 4: Interest-Free Credit with No Deferral Period, 36, 48, 60 or 84 months (subject to spend criteria) _{Payments start one month after installation}

Interest-Free Spend Qualification Levels for Signature Plus

£0 - £2,999 No Interest Free Credit Option
£3,000+ 36 Months Interest Free Credit (25% Deposit Required)
£3,000+ 48 Months Interest Free Credit (30% Deposit Required)
£3,000+ 60 Months Interest Free Credit (40% Deposit Required)
£25,000+ 84 Months Interest Free Credit (50% Deposit Required)

The table below must be read in conjunction with the funding terms above

	No Deposit	6 Mth BNPL	9 Mth BNPL	12 Mth BNPL	3 Year IFC	4 Year IFC	5 Year IFC	7 Year IFC	10 Year IBC	15 Year IBC
Signature Windows
Signature Plus Windows
Full Build Conservatory
Solid & Glass Roof Replace
Roofline Products
Doors - Composite, Bifold, Patio & French

Whilst the maximum loan period is 15 years many customers like the flexibility of being able to clear their loan early. Whilst you commit to making a minimum monthly repayment you can make extra payments as and when you please.

You have the right under the Consumer Credit Act 1974 to repay all or part of the outstanding balance at any time. If you wish to repay the outstanding balance early, please contact us on 0800 25 35 45 with your contract number and we will help you secure the information required.

If you do wish to settle your account, the settlement figure calculated will include 28 days’ notice and an additional 30 days’ interest. You can also contact the lender directly. Their details will be on the documentation completed and sent to you at the outset of the funding agreement.

The Maximum interest to settle your account is 58 days on the outstanding balance.

Brackenwood Windows Ltd is authorised and regulated by the Financial Conduct Authority. You can confirm our details by visiting the Financial Services Register at https://register.fca.org.uk/ Our Firm Reference number is 724969

Credit is subject to status and affordability. Brackenwood Windows Limited Brackenwood House, Kimbell Road, Basingstoke, Hampshire RG22 4AT FCA Register No. 724969 is a credit broker, not the lender, and is authorised and regulated by the Financial Conduct Authority. Credit is provided by a panel of lenders with whom we have a commercial relationship (so we cannot provide independent advice).

We can only provide you with information, not advice, and all credit applications are subject to status.

We will provide you with exact figures for all available options based on your specific requirements at the point of quotation.

Brackenwood may receive a commission from our lenders depending on the product offered and selected, not all products attract a commission and Brackenwood will give you a personalised illustration of all funding options as part of our quotation service.