Finance for Windows, Doors & Conservatories

A clearer path to funding your home improvements

The UK window and door landscape is changing fast. The door market alone was valued at £2.41bn in 2023, with forecasts suggesting it could reach £3.06bn by 2029 as residential renovations and commercial builds pick up pace. That growth sits alongside steady consumer demand for energy-efficient upgrades, where uPVC leads 68% of replacements and triple glazing can cut typical heating bills by around £160 per year. For homeowners, that means two things: compelling reasons to upgrade and a need for finance that fits comfortably alongside other monthly commitments.

Composite entrance doors are a standout choice, now representing over half of UK installations by value. Their steel-reinforced cores and GRP skins offer markedly higher impact resistance than standard uPVC, a factor linked to fewer burglary claims for homes with certified models. Add longer warranties and robust locking systems, and you have a product class that pairs security with curb appeal. In parallel, tilt and turn windows are gaining traction for their ventilation control and strong security profiles, while the South East continues to lead on conservatories and orangeries given local housing stock and appetite for space.

Market conditions matter because they shape price points, availability and innovation cycles. Fabricator revenues look broadly static across 2025, with growth expected to return from 2026. That stability gives room to plan calmly: secure quotes, assess thermal performance to meet U-values of 1.4 W/m²K or better, and evaluate smart window technologies which could unlock future efficiencies and control. In a space where brand trust is rising in importance, choosing a reputable installer and a finance route that is transparent and affordable is critical.

Understanding APR is not just about percentages - it is about knowing the real pounds and pence you will pay over time.

Kandoo is a UK-based retail finance broker. We connect homeowners with a panel of lenders, helping you compare fixed instalment loans, low-rate options and interest-free promotions where available. The goal is straightforward: help you fund quality windows, doors and conservatories without compromising your monthly budget or long-term plans.

Who benefits most from this guide

If you are planning to replace draughty windows, upgrade to a secure composite door, or add a conservatory for extra living space, this is for you. It is written for UK homeowners and long-term tenants who want clear explanations of finance choices, how repayments work, and what to check before signing. Whether you are in a conservation area considering timber, or seeking triple-glazed uPVC to meet Building Regulations, you will find practical pointers here. If cashflow is tight but energy bills are climbing, structured finance can bridge the gap sensibly.

Ways to fund your project

1. 0% interest credit over a short term, often promotional.

2. Fixed-rate personal loan with predictable monthly repayments.

3. Buy now, pay later with deferred start, then instalments.

4. Low-rate, longer-term home improvement loan.

5. Secured homeowner loan for larger projects or consolidations.

6. Green-focused finance for high-efficiency upgrades and glazing.

7. Credit card with 0% purchase period for smaller spends.

What it costs, the impact and risk profile

Who is eligible and what lenders look for

Lenders assess credit history, income stability and existing commitments to gauge affordability. Expect soft checks initially and full credit searches on application. For home improvement finance, proof of address, employment and identity are standard. If you are financing a larger project such as a conservatory or whole-house glazing, lenders may ask for quotes, invoices and confirmation that the installer is accredited. Where Building Regulations apply, products should meet or exceed U-values of 1.4 W/m²K, with many triple-glazed uPVC systems achieving between 0.8 and 1.1.

Your property status matters. Homeowners have the widest choice, including secured loans for substantial projects. Long-term tenants can often access unsecured options subject to affordability checks. In conservation areas, timber may be required to satisfy local requirements, and modified woods with strong warranties can meet durability expectations. As a UK-based broker, Kandoo connects you with multiple lenders in one place, helping you compare terms and find a repayment plan that fits.

From quote to completion in simple steps

1. Define scope and target U-values with your installer.

2. Get itemised quotes for products and fitting timelines.

3. Check eligibility and complete a quick Kandoo application.

4. Compare lender offers, APRs and total repayable amounts.

5. Select your option and e-sign lender documentation securely.

6. Funds released or paid to installer as agreed.

7. Installation completed, warranties registered and payments begin.

Advantages and trade-offs at a glance

What to check before committing

Take time to interrogate the detail. Compare the total amount repayable, not just the monthly figure. Ask your installer to confirm product U-values, security ratings and warranties in writing. If you are considering composite doors, verify certification and hardware specifications that support the improved impact resistance and security performance seen in market data. For conservatories, plan for regional demand and lead times, particularly in the South East where installations are strongest. Finally, consider futureproofing: tilt and turn functionality and smart control options are rising trends, and selecting compatible systems now can prevent costly retrofits later.

Alternatives if timing or budget changes

1. Stage the work in phases to match cashflow.

2. Use savings for high-ROI items first, finance the rest.

3. Refinance existing debt to reduce monthly outgoings.

4. Explore grants or schemes supporting energy efficiency.

5. Delay non-urgent elements until prices or budgets improve.

Frequently asked questions

Q: How much can I borrow for windows and doors? A: Amounts vary by lender and affordability. Unsecured loans typically cover smaller to mid-size projects, while secured homeowner loans can support larger works such as full glazing or conservatories.

Q: Are composite doors worth the extra cost? A: Many buyers choose them for security and durability. With reinforced cores and GRP skins, certified models offer strong impact resistance and often longer warranties, supporting long-term value.

Q: Will new windows really cut my energy bills? A: Upgrading to efficient uPVC with triple glazing can achieve U-values between 0.8 and 1.1, which helps reduce heat loss. Typical homes can save around £160 per year, subject to usage and property type.

Q: What happens when a 0% period ends? A: If the balance is not cleared by the deadline, it usually moves to the lender’s standard rate. Always check revert rates and fees before choosing.

Q: Do I need planning permission for a conservatory? A: Many conservatories fall under permitted development, but dimensions and placement matter. Listed buildings and conservation areas require specific permissions, and materials may be restricted.

Q: How do Kandoo applications affect my credit score? A: We begin with eligibility checks that leave a soft footprint. A full application with a chosen lender will appear on your credit file as usual.

Ready to move forward

Gather your quotes, sense-check the specifications and use Kandoo to compare finance offers side by side. With clear terms and predictable repayments, you can upgrade security, comfort and efficiency without straining your budget.

Important information

Kandoo is a credit broker, not a lender. Finance is subject to status, affordability and application. Rates, terms and product availability may change. Always review the total amount repayable before committing.