Smith's Heating Services

Spread the cost of your installation

A new boiler, heat pump or air conditioning system is a big investment. Finance lets you spread the cost into manageable monthly payments — including interest-free options on selected work.

Try it

Monthly payment calculator

Change the figures to see an illustration of what your monthly payments could look like. This is an illustration only — not a quote or an offer of credit.

Estimated monthly payment
Total amount payable
Total cost of credit

Illustration only. Actual rate, term and eligibility are set by the lender and depend on your circumstances.

Calculations use the standard amortising-loan formula and are for illustration only. They are not a quote, an offer of credit, or financial advice. Rates shown are examples — your actual rate depends on the lender and your circumstances.

Representative examples

What it might look like

Representative example
0% APR

Interest free credit · up to 2 years

  • Cash price: £2,500
  • Deposit (min. 25%): £625
  • Total amount of credit: £1,875
  • Term: 24 months
  • 24 monthly payments of £78.12
  • Fixed rate of interest: 0% p.a.
  • Total charge for credit: £0
  • Total amount payable: £2,500
  • Representative 0% APR
Representative example
7.9% APR

Interest bearing credit · up to 10 years

  • Cash price: £2,500
  • Deposit (optional): £625
  • Total amount of credit: £1,875
  • Term: 120 months
  • 120 monthly payments of £22.39
  • Fixed rate of interest: 7.9% p.a.
  • Total charge for credit: £811.80
  • Total amount payable: £3,311.80
  • Representative 7.9% APR

Representative examples. Finance is provided by Novuna Personal Finance via TradeHelp Ltd, and is subject to status, affordability and a credit check.

Good to know

Finance questions

Can I spread the cost of a new boiler or heat pump?

Yes. We can introduce you to finance providers so you can spread the cost over a term that suits you, including interest-free options on some products. Finance is subject to status and affordability.

Am I eligible?

Finance is subject to status and a credit check carried out by the lender. To apply you'll generally need to be 18 or over, a UK resident, and able to pay by Direct Debit from your own bank account. We introduce customers to TradeHelp Ltd (a credit broker), who offer loans from Novuna Personal Finance — we can talk you through the options when we quote.

How do I apply?

Once you've had a quote, we can refer you to the lender to apply — usually a short online application with a decision soon after. Ask us about finance when we visit.

Can I pay it off early?

Most agreements allow early settlement, often with a reduction in the total interest. The exact terms are set out in the credit agreement provided by the lender.

The legal bit

Finance & credit information

Finance & credit disclosure

Smiths Heating Services Ltd (FRN 932213) is an Introducer Appointed Representative of TradeHelp Ltd, who are authorised and regulated by the Financial Conduct Authority (FRN 679812). Smiths Heating Services Ltd introduce customers to TradeHelp Ltd and do not receive a fee for the introduction. TradeHelp Ltd are a credit broker, not a lender, and offer loans from Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.

Finance options are offered subject to status and credit check, which must be completed before commencement of works. A 14 day cooling off period applies to all applications. If cancelled within 14 days, alternative payment of the full outstanding balance must be made.

The monthly payment calculator above is an illustration only and does not constitute a quotation, an offer of credit, or financial advice.

Ready to talk numbers?

Get a free, no-obligation quote and we'll explain the finance options that fit.

Call 01494 328382 Get a quote