Representative APR 11.9% Fixed
Cash Price	£3,500
Deposit of	£0
Total Loan Amount	£3,500
Repayable by 120 Monthly Payments of	£48.80
Total Charge for Credit	£2,350.00
Total Amount Repayable	£5,856.00

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	£3,500
Total Amount Repayable	£3,500

Representative APR 19.9% variable
Cash Price	£3,500
Deposit of	£0
Total Loan Amount	£3,500
Repayable by 36 Monthly Payments of	£71.97
Total Charge for Credit	£5129.20
Total Amount Repayable	£8629.20

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.

Then up to 5 Years Interest-Free Credit

This option can be a combination of No Deposit, a Deferral Period, and Interest-Free Credit. This option is only available on qualifying purchases and is subject to variable spending limits. With Interest-Free Credit any deferral period “Nothing to Pay for 12 Months” starts from the date your funding application is accepted and NOT the installation date. If your funding was accepted in December 2025 your monthly payments will commence in November 2026.

Nothing to Pay Until 2025

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 2025 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 2025 then you will commence monthly payments 12 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
Option 2: No Deposit & Nothing to Pay for 9 Months
Option 3: No Deposit & Flexible Monthly Payments
Option 4: Interest-Free Credit with No Deferral Period, 36, 48 or 60 months (subject to spend criteria detailed below) _{Payments start one month after installation}
Option 5: No Deposit, Nothing to Pay for 12 Months & Either 36 or 60 months Interests Free Credit, Minimum Spend £15,000 _{Payments start 12 months from signing your agreement, not installation}

Interest-Free Spend Qualification Levels for Signature Plus

£0 - £2,999 No Interest Free Credit Option
£3,000+ 36 Months Interest Free Credit
£5,000 - £9,999 48 Months Interest-Free Credit
£10,000+ 60 Months Interest-Free Credit

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

	No Deposit	9 Mth BNPL	12 Mth BNPL	3 Year IFC	4 Year IFC	5 Year IFC	10 Year IBC	15 Year IBC	12M Deff 3 Year IFC
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.