Kitchen Finance - Kitchen Renovation Financing Surrey

There is no doubt that the kitchen is the heart of any home where family members gather to socialise, cook, and eat. That’s why UK residents put a lot of money into decorating it. At IGD Building, we can transform the room in no time, helping you make good memories day after day.

However, installing a new or renovating the existing kitchen can be a significant expense that only a few people can afford to cover upfront.

We are happy to inform you that there is no need to pay the full cost for your kitchen redo in advance, as there are various finance options available now through our partners iDeal4Finance.

At IGD Building Services Ltd, our commitment lies in providing exceptional service, recognizing that many customers may prefer the convenience of financing options. Keeping this in mind, we have formed a partnership with well-established credit brokers, Ideal4Finance, to offer customers the opportunity to divide the cost of their purchase into manageable monthly payments. Ideal4Finance has assisted numerous individuals in securing financing for their purchases, exclusively working with reputable lenders and earning an 'Excellent' rating on Trustpilot.

You have the convenience of applying online or via telephone, and decisions are reached swiftly. The final determination considers your unique circumstances, including your personal credit history, desired loan amount, and the repayment period.

To commence the application process, simply click on the image below.

How to Apply for Kitchen Financing

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The application process with iDeal4Finance is relatively straightforward. You can apply via our website, following our unique URL. All you have to do is input your data and hit the submit button. It takes your full name, e-mail address, and a valid mobile number to get started.

From there, you will have to wait for an employee to get in touch with you to arrange all the details.

Additional steps like consenting to a credit check and providing proof of income might be necessary. For example, a recent bank statement showing you have permanent employment will do for the eligibility criteria. You will be guided through the process and it won’t take much time. Once approved, you can now get the funds you need to buy a new kitchen.

We want to bring your attention to the fact that we are not a lender, hence we cannot offer independent advice. For any questions regarding our partner's funding options, please contact iDeal4Finance.

Benefits of Buying a Kitchen on Finance

Without a doubt, the biggest benefit of buying a kitchen on finance is not having to pay the full cost upfront. This will be easy on your wallet. It works great if you are on a tight budget and you find it hard to finance kitchens outright.

Another benefit is that certain types of loans offer low-interest rates, which makes it easy for you to go through with your payments.

Last but not least, kitchen financing might help you build a good credit score. This will come in handy for future loans in case you need to spread the cost of other purchases.

Financing Options

kitchen financing options banner by ideal4finance and igdbuilding

When purchasing a kitchen, there are different finance options available like buy now, pay later, pay upfront and clear the remaining balance before the delivery day, and pay monthly for kitchens. Some of these will require that you have several years of UK address history.

Pay upfront

The best way to go is to pay upfront for your kitchen remodel and forget about it. First, you make a deposit payment on the day of purchase and then you ensure the remaining balance is cleared before you have your kitchen delivered.

This way you won't have a credit check carried out to determine your financial circumstances and borrowing history. No minimum spend is required.

However, this solution doesn’t sit well with everyone. And if you are on this page, chances are you are looking at other options because paying upfront does not work for you.

Buy now, pay later kitchens

With respect to buy now, pay later kitchens, you can delay your payments up to six months to a year. So, you purchase your kitchen and you take your time before you pay the full cost. Mind you that interest rates for this finance option may be steep. As always, read the terms and conditions before you sign the consumer credit agreement.

The buy now, pay later option is subject to financial circumstances and borrowing history. It will also require a minimum spend. Remember that eligibility criteria apply (e.g. several years of UK address history, being 18 years of age, etc.)

The "buy now, pay later" kitchen comes with different payment options depending on the provider and plan you select. Partial and full payments after the date of the first payment may be entitled to an interest rebate. An interest rebate is a type of refund the borrower receives from the lender for paying more interest on a loan than they had to.

This loan is not interest-free. It's a type of interest-bearing credit.

Pay monthly kitchens

Depending on the finance plan you go with, you can choose to spread the cost of your redo over a period of time that suits you the most. This means you have to make monthly repayments for your project without stressing over it.

You will find this payment option helpful if you are on a tight budget. Like with buy now, pay later, eligibility criteria apply. You will be subject to check of financial circumstances and borrowing history. This option is not usually interest-free and may require a minimum spend.

If you are interested in any of these options, check with your provider for more info including a representative example of the payment period and monthly payments needed.

Am I Eligible for Kitchen on Finance?

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There are three main factors to consider when applying for kitchen financing: income, credit score, and UK bank account for direct debits to be taken. But you need to keep in mind that every company has its own eligibility requirements, so make sure to familiarise yourself with them before you get started.

Check your borrowing history

This is a sign of your creditworthiness. It’s usually depicted as a number ranging from 0 to 999. A good credit rating is considered 881-960. Anything above that counts as excellent. If your credit score reads 721-880, it’s considered fair.

The credit check carried out takes into account previous or existing commitments in terms of your finances as well as any county court judgments.

Each credit is subject to status and age. The best way to keep a good borrowing history is to pay on time consistently. Also, if you make extra monthly repayments, you can improve your credit rating quicker.

Provide regular sustainable income

In order to be approved for kitchen financing, you must be able to provide regular sustainable income. This will guarantee the company that you are capable of making your payments on time.

Making on-time payments is crucial for maintaining a good borrowing history. It’s all intertwined and eligibility criteria applies based on application, financial circumstances, etc.

As mentioned above, credit is subject to application, financial status, and age, but there may be additional factors at play.

Register a UK bank account

In most cases, apart from regular sustainable income, you need to have a bank account in the UK in order to take out a loan and spread the cost of your purchase. This is where direct debits will be taken. Not to mention, it can provide a recent bank statement too. Needless to say, every UK resident ought to provide a valid mobile number and e-mail address.

Please note that IGD Building is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance, not the lender. This is for information purposes only. For further details on the available payment options, please contact the company.

Other Things to Take Into Consideration

Before you agree to a loan, whether interest-bearing or interest-free credit, you should take into consideration a variety of factors.

Minimum Deposit

Prior to delivering your kitchen, we may require a minimum spend or minimum deposit payment of the total cost of the project. This means you need to have the money readily at hand at this point.

After that, you will have to arrange the monthly payments alongside the interest that is being charged on the loan balance with our partners. Generally speaking, the average borrower shall not be charged interest if they repay some of the loan before the first payment.

Hidden Costs

When applying for a finance application, it's important to be aware of any hidden costs. Some financing options may charge application fees, early settlement fees, arrangement fees, or penalties for late payments. Be sure to read the terms and conditions carefully to avoid any surprises.

Comparison Shopping

Before you take out a loan, do check repayment terms, interest rate, settlement fee, and eligibility terms with different providers to compare prices. This will help you find the monthly finance option that fits you best. Remember that everyone has different needs. Shop smartly.


Even if you choose to get finance for your kitchen makeover, it’s still important to budget the project properly. Create a budget for every spending. Make sure to include only the things you really need and can’t go without. Try not to splurge.

When calculating the costs of your project, and therefore the loan amount you are going to need, consider how much you can spend each month for instalments. Make changes to the budget as necessary to keep it more affordable. This will reduce the cost of your loans and keep you from getting into debt.

Maintenance and Repairs

Having a plan means not forgetting to factor in essential elements such as the cost of repairs. Keep in mind that some of these may have to be replaced over time. This applies to flooring, countertops, and electric appliances.

If you go with high-quality materials and furnishings, you will have to pay a lot upfront. At the same time, though, they will last you in the years to come, meaning you won’t be likely to need a new renovation project any time soon.

However, if you opt for less expensive products, you will end up paying less in advance but the kitchen will need a redo sooner than you expect. Before you know it, you will have to fork out more money for repairs.

Future Plans and Permanent Employment

Before you sign a credit agreement, you have to take into consideration your future plans. For example, are you going to move house in the near future? If so, renovation might not be the best course of action right now.

And vice versa. If you are staying in your home indefinitely, getting a redo will prove to be a great investment. Further to this, are you considering switching your career path? You should make sure you have sufficient funds to continue with your monthly repayments in between jobs.

Financial Services Register

Before you take out a loan, check whether the provider of your choosing is regulated by the financial services register or the Financial Conduct Authority. Use the financial services register number to ask for more information.

FAQ on Kitchens on Finance

How much can I borrow for my kitchen?

It depends on the finance company you choose, your financial circumstances and your borrowing history. Most companies will lend up to £25,000 to borrowers for kitchen renovations. Check with your provider about the current limits.

Can I apply for kitchen on finance with bad credit?

Yes, you can proceed with your finance application if your credit rating is bad. Of course, you have to keep in mind that you won’t be able to borrow as much money as you would were you to have a better rating. Not to mention, you may have to go with a secured loan (that carries collateral) or provide a guarantor depending on your financial circumstances and borrowing history.

Can I pay off my kitchen on finance early?

Yes, absolutely. Most companies will let you pay your agreement early or before the first payment without incurring additional costs. Just remember that some providers may charge you an early settlement fee for that. You should definitely acquaint yourself with the terms and conditions of your loan to see whether this option is available for you. If not, monthly payments will still have to be made.

What does it mean when a credit is subject to status?

Credit subject to status means that whether your loan gets approved or not depends on certain factors such as income checks and credit rating. The rating is calculated after the borrower's credit report is checked. This includes county court judgments and other existing commitments.

What are interest-free credit cards?

As the name implies, an interest-free credit card allows you to make payments without the burden of paying interest. And this can happen for different periods of time, like a few months or even years. The opposite of that is an interest-bearing credit. It can come with a variable or fixed interest rate.

What is a Debt Relief Order (DRO)?

A Debt Relief Order (or Scottish equivalent) is a way to manage the debts you can't currently provide monthly payments for. Borrowers get a specified period of time during which they don't have to make monthly payments to their previous or existing commitments. The timeframe is usually 12 months.

What kind of eligibility criteria is there to finance a kitchen?

It depends on the contractor and type of loan you pick. There may be things like permanent employment that guarantees a certain amount of income per year, self-employed or retired. Residents must have a mobile phone number, e-mail address, and a UK bank account.

Remodel Your Kitchen With IGD Building and Get Financial Help from Our Partners

AT IGD Building, we will be happy to remodel your kitchen, turning it into the best spot in your home to hang around. If you don’t have the funds for that though, we recommend checking out your finance options with iDeal4Finance. This way you can get the kitchen of your dreams without having the money upfront. We also provide bathrooms on finance via our partners at Ideal4Finance. They also work with us to provide our clients with home improvement loans and financing for house renovations as well as loans for house extensions.

Note that certain terms and conditions will apply and they will vary depending on your financial circumstances and borrowing history.

We would like to reiterate that IGD Building is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance, not the lender. Therefore, credit is offered by a third party regulated by the Financial Conduct Authority.