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.
Brackenwood - Funding Terms
For:
Signature Windows
Brackenwood Door Systems
Replacement Solid or Glass Roofs
Full Build or Top Only Conservatories
- Option 1: Standard Cash Terms (see table below)
- Option 2: No Deposit & Buy Now Pay Later (Deferral period subject to spend criteria & product)
- Option 3: No Deposit & Flexible Monthly Payments
Signature Plus Windows - Funding Terms
- 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)
Standard Cash Terms Explained
- Windows & Doors
10% Deposit, 30% On Survey Completion, 30% Pre Installation & 30% On Day of Completion - Roofline
20% Deposit, 40% On Survey, 40% On Day of Completion - Solid & Glass Roofs
20% Deposit, 20% On Survey, 55% On Structural Erecting, 5% On Day of Completion - Conservatory Full Build
20% Deposit, 20% On Survey, 30% On Base Completion, 25% On Structure Erecting, 5% On Day of Completion - Conservatory Top Only
20% Deposit, 20% On Survey, 55% On Structure Erecting, 5% On Day of Completion
Funding Terms Comparison
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 |
Key
- BNPL Buy Now Pay Later
- IFC Interest Free Credit
- IBC Interest Bearing Credit
Minimum Order Values
- 3Y IFC = £3,000 - 25% Deposit Required
- 4Y IFC = £3,000 - 30% Deposit Required
- 5Y IFC = £3,000 - 40% Deposit Required
- 7Y IFC = £25,000 - 50% Deposit Required
Other Terms
Minimum Spend on BNPL & IBC £1000 - Maximum Loan Offer is £50,000 Subject to Acceptance
Not all options are available together - please ask your product specialist
FAQs
As long as you pay the minimum monthly payment, you can choose to pay any amount monthly that suits your budget, reducing both the interest paid and the duration of the loan.
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.
There are a few conditions you will have to satisfy before your application can be considered. You must:
- Be aged 21 to 79
- Have been a UK resident for at least three years
- Have a personal bank account in the UK
- Be the main applicant; the owner occupier, and you must provide a contact telephone number
If these apply to you, we would be delighted to help you fund your project and get the work started at your earliest convenience.
Some of our customers like to use a payment plan for their installation and we know that not everyone gets the best deal from their bank. That’s why we’ve chosen to offer you the opportunity to do things differently. We can usually arrange finance for you through our panel of partners.
Brackenwood can provide an instant quote from our funding partners which will NOT impact on your credit score but WILL give you a clear picture of your guaranteed and personalised rate from the start.
Brackenwood funding partners can offer loans from £1,000 to £50,000. Loan terms are available for up to 15 years to suit most financial situations. You’ll get a minimum monthly payment but can choose to pay more at any time.
Should you wish to purchase through finance options, please let your sales representative know and they will be able to discuss details.
Payment Options Terms & Conditions
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.
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Why Choose Brackenwood
Our History
A family-owned business, established in 1987 and still operating with the same director on a day-to-day basis covering Hampshire, Berkshire, Surrey, Dorset & West Sussex
Our Expertise
Our installers are all trained craftsmen and only work for us. We are a member of the CPA, Approved Craftsman, and hold the BSI Kitemark for installations.
Highly Recommended
Over 45% of our business comes from repeat customers or their recommendations.
Happy Customers
To date we have over 50,000 satisfied customers
Personalised Service
We offer the personalised services you would expect from a local supplier - meaning peace of mind should you need us in the future.
Green Credentials
Environmental impact is important to us, and we recycle 90% of all trade waste used in our products.
Our Longevity
We have never gone into receivership or traded under any other name. This is essential for honouring guarantees for our products and installations.
Funding Options
Our finance partner provides personalised loans, meaning you can improve your home now but pay in affordable monthly instalments