Offer finance for conservatories

Make a light-filled extension affordable

Adding a conservatory can transform how you use your home, bringing in light, warmth and valuable extra space. The cost, however, typically lands in the thousands, which is why finance is increasingly used by UK households to spread payments sensibly. Today, interest-free options are widely available on qualifying orders, and longer terms offer predictable monthly budgeting where 0% is not suitable.

Many GB providers offer 0% APR for up to 24 to 84 months on larger builds, usually with a deposit that scales by term length. Buy now pay later can defer payments for 6 to 12 months, letting you secure a build date and settle in full within the promotional window to avoid interest. If you need more time, fixed-rate instalment credit or an unsecured home improvement loan provides clarity on cost from day one.

Understanding APR is not just about a headline rate - it is about knowing the total you repay and what happens if timelines slip.

Most conservatory finance in Great Britain is regulated under the Consumer Credit Act 1974, giving you cancellation rights, clear pre-contract information and access to dispute resolution if things go wrong. Staged payment schedules on full builds also align your outlay with progress on site, reducing risk and supporting cash flow for installers.

If you are weighing up choices, think in real terms: deposit, monthly cost, total repayable, and the value you add to your property. With the right structure, you can enjoy the space sooner while keeping control of your budget.

Next step: shortlist your preferred finance type, then request like-for-like quotes for price, deposit and term.

Is this the right fit?

Conservatory finance suits homeowners who want extra living space without draining savings. It is ideal if you prefer fixed monthly payments, or you plan to repay within a promotional 0% window. It can also work for home movers upgrading before a sale, landlords improving rental appeal, or families needing seasonal flexibility via a deferral period.

If your income is variable, prioritise terms with headroom so payments remain comfortable. If you have strong credit and spare cash for a larger deposit, interest-free credit on bigger projects can minimise total cost. If you need a longer runway, fixed-rate loans with clear end dates keep things predictable.

Ways to spread the cost

1. Interest-free credit on larger builds - 0% APR for 24 to 84 months on qualifying orders, deposits typically 25% to 50% depending on spend and term.

2. Buy now pay later - 6 to 12 month deferral. Settle in full within the period to avoid interest. Admin fees may apply on early settlement.

3. Low-deposit instalment plans - deposits from around £99 on selected ranges, then fixed monthly payments over up to 120 months where 0% is not offered.

4. Mid-range fixed APR with clear examples - around 10.9% representative on typical GB projects, with options for smaller builds from roughly £7,000.

5. Unsecured home improvement loans - from around £1,000 to £35,000, with competitive representative APRs from about 5.7% for eligible borrowers.

6. Staged payments with build milestones - deposit plus survey, base, frame and completion payments to match on-site progress.

What it means for your budget

Who can apply

Most providers assess UK residency, age and status. You will usually need to be 18 or over, a UK resident with a regular income, and pass credit and affordability checks. Homeownership is typically required for a conservatory project, and lenders may ask for proof of address, income and ID. Where planning permission or building control is needed, finance can proceed alongside approvals, but installation dates may depend on documentation.

Deposits vary with term length and spend level. Larger builds can attract longer 0% terms but often require higher deposits. If your credit profile is thinner, lenders may still consider you at different rates and terms. Where a deferral period is offered, you should be confident you can clear the balance within the promotional window if you wish to avoid interest.

Kandoo is a UK-based retail finance broker. We match eligible customers with a panel of lenders for home improvement finance, helping you compare rates, terms and timelines before you commit.

From quote to conservatory - step by step

1. Define budget, size and preferred style.

2. Request like-for-like quotes from installers.

3. Choose a finance route and deposit level.

4. Apply online and complete affordability checks.

5. Receive approval and finance documents.

6. Confirm survey, schedule and staged payments.

7. Build progresses to agreed milestones.

8. Sign off completion and final payment.

Upsides and trade-offs

Before you sign

Check the full credit agreement, including any fees for early settlement or documentation. Some providers charge a small admin fee when you clear a buy now pay later balance early. If you extend beyond the promotional window, interest can accrue from that date at the stated APR, so set reminders and plan your payoff. Confirm whether the deposit is refundable, and how staged payments align with survey, base, frame and completion. Ensure your quote is fixed or clearly itemised for changes, so you are not surprised by extras halfway through a build. Finally, verify installer credentials, warranty cover and aftercare so your finance outlasts any teething issues.

Alternatives to consider

1. Save and pay cash to avoid any interest altogether.

2. Use a 0% purchase credit card for smaller elements and clear within the offer period.

3. Remortgage or further advance if rates and fees are competitive for your circumstances.

4. Scale the specification now, design for upgrades later.

5. Opt for a roof replacement or warm roof instead of a full build.

6. Buy a supply-only kit and use a trusted local installer.

FAQs

Q: Is interest-free credit really 0%? A: Yes, if you meet the terms and schedule. You will usually pay a deposit and fixed monthly instalments. Missed or late payments can remove the benefit.

Q: What happens after a buy now pay later deferral? A: If you do not clear the balance within the deferral, the plan typically converts to a fixed-rate instalment over the remaining term at the quoted APR.

Q: How much deposit will I need? A: Deposits vary. Shorter 0% terms might start around 25%, while longest zero-interest periods on high spends can require up to 50%.

Q: Can I settle early? A: Often yes. Early settlement rules are set out in your agreement. Some providers charge a modest admin fee when you clear during a promotional period.

Q: Will finance cover surveys and foundations? A: Most full-build packages include survey, base, frame and glazing. Check your quote and staged payment schedule for what is included.

Q: Do I need perfect credit? A: Not necessarily. Approvals depend on status and affordability. You may be offered different terms or rates based on your profile.

How Kandoo can help

Kandoo connects you with a panel of trusted lenders for home improvement finance across Great Britain. We help you compare interest-free options, deferred plans and fixed-rate loans, with quick online decisions and clear, upfront costs. Apply once, see matched offers and choose a plan that fits your budget and timeline.

Important information

Kandoo is a credit broker, not a lender. Finance is subject to status, eligibility and affordability. Rates, terms and deposits vary by provider. Always read the pre-contract information and consider independent advice if unsure.