Offer finance for kitchen installations

Kitchen projects are bigger - and pricier - in 2025

Kitchen spending is climbing across the UK as homeowners invest in the heart of the home. The latest UK data shows median kitchen renovation costs up 34% to £17,500, with large kitchens around £20,000. Most new kitchens now land between £10,000 and £20,000 including units, worktops, appliances, and installation. Budget fits start near £6,000, while premium, bespoke schemes can exceed £25,000 and rise to £55,000 when structural work is involved. Labour alone commonly averages £3,500, with day rates of £250 to £350.

Why are people still going ahead? Kitchens add daily value and often represent 5-10% of property value, aligning spend with the equity you already hold in your home. Many renovators also report greater financial confidence, choosing to upgrade layouts, storage, and energy efficiency features rather than postpone plans.

Understanding APR is not just about percentages - it is about what you will pay overall in pounds and pence.

Offering finance at point of sale helps smooth cash flow for households and installers alike. It removes the pressure of an upfront lump sum, keeps projects moving, and can make higher-spec choices achievable without compromising timelines. With demand steady and growth largely price-led, clear finance options can be the difference between a quotation and a confirmed booking.

Short standout line: Finance can bridge the gap between the kitchen you want and the budget you have.

Who benefits from offering kitchen finance

If you are a kitchen installer, retailer, or design studio, finance can reduce drop-offs after quotes, increase average order value, and improve scheduling certainty. Many customers are trading up on materials or appliances but would rather spread costs predictably.

For homeowners, finance supports essential replacements as well as full redesigns. Whether it is a compact galley or a family-sized space, spreading payments helps manage cash flow while covering hidden items such as fitting, disposal, electricals, and minor building works that often push projects over the line.

Flexible ways to pay over time

1. 0% interest for a set term - pay the balance over short periods.

2. Fixed-rate personal loans - predictable monthly payments over 1-7 years.

3. Buy now, pay later - defer the first payment, then spread the rest.

4. Deferred and balloon options - lower early repayments, larger final instalment.

5. Hire purchase - own the kitchen after completing agreed payments.

6. Revolving credit - reuse credit line for staged works or extras.

7. Secured homeowner loans - larger sums with longer terms, property-backed.

8. Retailer-brokered finance via Kandoo - multiple lenders, competitive choices.

Next steps:

• Compare total cost of credit, not just APR.

• Align term length with product lifespan.

• Check early settlement options and any fees.

What it costs and why it matters

Who can be approved and on what basis

Lenders typically assess credit history, affordability, and proof of UK residency. For unsecured products, consistent income and a solid credit profile reduce the cost of borrowing and widen your options. Secured products can unlock higher amounts over longer terms, though they carry the added responsibility that your property may be at risk if repayments are missed.

Installers and retailers offering finance must partner with authorised providers. With Kandoo as your UK-based broker, you can present a curated panel of lenders to customers, giving them choice without sending them to multiple applications. Clear pre-qualification checks, transparent APRs, and sensible terms build trust and reduce cancellations. For homeowners, having finance available at the quote stage helps scope realistic designs, account for fitting costs that average around £3,500, and avoid last-minute compromises on cabinets, worktops, or appliances.

From enquiry to installation - how it works

1. Choose your kitchen scope and ballpark budget.

2. Check eligibility and soft-search your finance options.

3. Compare APR, term, and total repayable cost.

4. Select a lender and submit your application.

5. Receive a decision and sign electronically.

6. Funds are allocated - schedule the installation.

7. Track repayments and consider early settlement options.

The upsides and the trade-offs

Plan carefully before you commit

Take a close look at the full project total. Kitchen costs vary by size, layout, and structural changes, with small spaces from around £7,000 and large kitchens often near £20,000 for major renovations. Include fitting, waste removal, electrics, and contingencies for unexpected items. Aim for repayments that sit comfortably within your monthly budget, ideally matching the expected lifespan of units and appliances. If you plan to move within a few years, consider whether shorter terms or early settlement make sense. Read the small print on promotional 0% periods, deferred interest, and settlement fees so there are no surprises. A clear, written schedule from your installer can help align delivery, fitting day rates, and payment timings.

Alternative routes to fund your project

1. Savings pot combined with a smaller loan for flexibility.

2. Credit card 0% purchase periods for modest, staged costs.

3. Remortgage or further advance if rates and fees justify it.

4. Local authority grants for energy efficiency-linked upgrades.

5. Manufacturer rebates or retailer promotions on appliances.

Your questions answered

Q: How much does a typical UK kitchen cost in 2025? A: Most new kitchens fall between £10,000 and £20,000 all-in. Budget installs can start around £6,000, while premium or structural projects may exceed £25,000.

Q: What about larger kitchens over 100 sq ft? A: Major renovations often centre on a £20,000 median. Bigger layouts and premium worktops or appliances push costs higher, so longer-term finance can help spread the spend.

Q: How much should I allow for fitting? A: Fitting averages around £3,500. Day rates commonly run £250 to £350. Small installs can be about £2,000 in labour, larger projects around £5,000.

Q: Is 0% finance the best option? A: It can be, particularly for shorter terms. Always compare the total repayable cost, term length, any fees, and what happens if you miss a payment.

Q: Will finance affect my credit score? A: Soft searches usually will not. A full application and any borrowing will appear on your file. Paying on time can support your credit profile.

Q: Should I secure borrowing against my home? A: Only if you need larger sums and accept the risk. Secured loans can offer lower rates but your property is at risk if you default.

How Kandoo helps you move forward

Kandoo is a UK-based retail finance broker that connects you with a panel of lenders, so you can compare options in minutes and choose terms that suit your budget. Whether you are an installer offering finance or a homeowner planning a renovation, we help keep decisions clear, costs transparent, and projects on track.

Important information

Finance is subject to status and affordability. Terms and conditions apply. Rates, eligibility, and offers vary by lender and may change. If you choose a secured product, your property may be at risk if you do not keep up repayments. Consider independent advice if you are unsure.