Spread the cost of a brand new boiler

0% finance over 10 or 24 months

Our 0% finance options allow you to spread the cost of a brand new boiler over 10 or 24 months, interest free. There is nothing extra to pay on top of the cash price — the total charge for credit is £0.00. A minimum 20% deposit applies, with the balance paid across your chosen term. It's a straightforward way to install a new, efficient boiler without paying the full cost up front.

7.9% APR representative over 3 or 10 years

If you'd prefer smaller monthly payments over a longer period, our 7.9% APR representative finance lets you spread the cost over 3 years (36 months) or 10 years (120 months). A minimum 20% deposit applies. This option keeps your monthly outgoings low while still getting the boiler and installation you need — see the representative examples below for the full figures.

Who we can offer finance to

To apply you must be a minimum of 18 years old, a UK resident for 12 or more months, hold your own personal bank account, be an owner occupier, and be in permanent employment (16+ hours per week), self-employed, retired, in receipt of disability allowance, or unemployed with a working partner. We are unable to offer finance to those unemployed without an employed spouse or partner, temporary or agency workers, foster carers without a qualifying spouse, unregistered childminders, full-time students (except trainee nurses and doctors), and supply teachers without permanent contracts.

About your finance provider

Finance is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Complete Home Energy Solutions Ltd (trading as Liverpool Heating) is a credit broker, not a lender, FRN 762794. Finance options are offered subject to status and credit check. A 14 day cooling off period applies.

How boiler finance works

Boiler finance lets you pay for a new boiler and its installation in monthly instalments instead of all at once. It works in four steps. You choose the boiler from a written quote; every model we fit is priced on our boiler prices page, from £2,000 to £2,850 fitted. You pay a deposit of at least 20 per cent of the cash price. You apply to the lender, Novuna Personal Finance, who run a credit check and make the decision; finance is always subject to status. Once approved and the boiler is installed, the monthly payments start. We arrange the application, but we are a credit broker, not a lender, so the terms are Novuna's and we cannot change them or promise an outcome.

0% or 7.9%: the same boiler, four ways to pay

These are the four representative examples we publish, all for the same £2,500 cash price with a £625 deposit (25 per cent) and £1,875 of credit. Shorter terms are interest free; longer terms cost more in total but less each month.

The full wording of each representative example is below. Your own figures depend on the boiler you choose and the deposit you put down; your written quote shows the exact monthly amount before you commit to anything.

Pay monthly boiler: what sets the monthly figure

Three things decide what a pay-monthly boiler costs each month. The cash price: on our list that runs from a Glow-worm Compact or Baxi 200 at £2,000 to the Worcester Greenstar 8000 Life at £2,850, fitted. The deposit: the minimum is 20 per cent, and anything above that comes straight off the amount borrowed. And the term: spreading £1,875 over 10 months costs £187.50 a month at 0%, over 24 months £78.12, and over 120 months £22.39 at 7.9% APR representative. The longer the term, the lower the payment and the higher the total. There is no obligation to take finance to get a quote, and a quote on finance is the same boiler at the same cash price as paying outright.

Interest-free boilers: what to check before you sign

Interest free means exactly that on our 10 and 24 month plans: the total you pay is the cash price, and the total charge for credit is £0.00. Four things are worth checking on any interest-free boiler offer, ours included. Whether the 0% rate applies to the term you actually want, because here it covers 10 and 24 months and the 3 and 10 year terms are at 7.9% APR representative. What the minimum deposit is, since it is 20 per cent here. Whether the cash price on finance is the same as the cash price paid outright, which it is. And what happens if a payment is missed, which is set out in Novuna's agreement and can affect your credit record. You also have a 14 day cooling-off period after signing.

If you cannot afford a new boiler

If the boiler has broken down and a new one is out of reach this month, there are usually three routes. First, check whether a repair is the better call: a boiler under ten years old with a failed fan, pump or valve is normally worth fixing, and our boiler repair engineers give you the repair cost and the replacement figure side by side before you decide. Second, finance, as set out on this page, subject to status. Third, help with the cost. The Boiler Upgrade Scheme does not fund gas boilers; it is a grant towards a heat pump. Help towards a replacement gas boiler is means-tested and runs through energy suppliers and councils, with rules and closing dates that change, so check GOV.UK or your council's home energy team for what is open now. We will work alongside whatever you qualify for.

Boiler finance in Liverpool and Merseyside

We arrange boiler finance for homes across Liverpool and the L postcodes, the Wirral, Warrington, St Helens, Southport and Runcorn, on the same terms wherever you are. The finance pays for the boiler and the installation together, which matters in Merseyside's older housing: a back boiler conversion or a 22mm gas run upgrade in a Victorian terrace goes on the same agreement as the boiler itself. Local guides cover the boiler work in the Wirral, Warrington and Liverpool. Representative examples are below, and our guide to how much a new boiler costs explains what a fitted price should include.