Fast Flexible Home Improvement Finance Options

Yes. Whether you choose to self fund, take out low rate finance, or take out 0% finance, a deposit is required to place your order and commence manufacturing of your chosen windows and doors.

As you’ll see in the representative examples above, the deposit payment required can vary from 10% to 50% of your total order value depending upon which double-glazing funding option you choose. Our friendly experts will discuss all the options with you and suggest the best plan based on your needs and budget.

We offer flexible payment options, so your deposit can be paid via your choice of debit card, credit card (including American Express), BACS, or cheque.

Yes.

truhouse. is a trading style of Stroud Windows (Gloucestershire) Limited, whose Registered Company Number is 05277745. Stroud Windows (Gloucestershire) Limited is authorised and regulated by the Financial Conduct Authority (FCA) to carry out credit broking activities in relation to regulated credit agreements, including canvassing off of trade premises (FRN 839344). You can confirm our registration on The Financial Services Register or by contacting the FCA on 0800 111 6768.

We are a credit broker, not a lender, and have a facility with a panel of lenders.

All finance arranged by truhouse. is in the form of unsecured loans (sometimes referred to as signature loans). We do not currently offer secured loans.

What does this mean?
Lenders issue funds in an unsecured loan based solely on your creditworthiness, perceived ability to repay, and signed promise to repay. Unlike secured loans, unsecured loans have no collateral backing – they require no security, as the name implies. The money you borrow is not secured against your home/mortgage or any other asset, meaning your property will not be repossessed by the lender in the event of non-repayment. If you (the borrower) default on unsecured debt, the lender must initiate legal proceedings in order to reclaim and collect the funds they have advanced to you.

As each finance application is assessed on an individual basis and subject to differing affordability, status, and lending criteria, it is tricky to say who will be approved without a soft credit check being completed.

truhouse. works with a panel of leading lenders, and our friendly experts will always do their best to help arrange the level of finance you require for your new windows and doors.

Unfortunately we are unable to offer any type of finance to customers who have been declared bankrupt in the last 6 years or are currently in an Individual Voluntary Agreement (IVA).

Yes, a number of our self-employed and retired customers have taken advantage of our flexible payment options.

truhouse. works with a panel of leading lenders, and each finance application is assessed on an individual basis and subject to differing affordability, status, and lending criteria. The options available to you can be discussed in detail with one of our friendly experts.

Yes, a number of our customers that are in receipt of state-funded benefits and investment income have been accepted for finance.

truhouse. works with a panel of leading lenders, and each finance application is assessed on affordability and your personal circumstances are assessed in line with the lender’s affordability criteria. Total household income is considered when assessing affordability. The options available to you can be discussed in detail with one of our friendly experts.

Here at truhouse. we make the finance application process quick and simple:

Step 1 – Book your free finance appointment

Simply get in touch to book your 30-minute finance appointment, conducted via your choice of media – be it face-to-face in our showroom, in your own home, via video chat or virtual meeting, or via telephone.

Step 2 – Identify your needs and the best option(s)

One of our friendly finance experts wlll discuss your requirements, and identify and talk you through the option(s) best suited to your needs in detail. This will include calculation of your deposit, monthly repayments, and total amount payable, based on the total price of your desired home improvements, the representative APR (amount of interest you’ll pay annually), and the term (length of loan) you choose.

Step 3 – Choose your finance package and complete your application

Once you’ve determined the level of home improvement finance you wish to apply for, we will run through a quick series of questions relating to your status, financial circumstances, and borrowing history, in order to carry out the soft credit search.

Step 4 – Submit your application and await the decision

Once complete, we will send your application to our lenders for review, where they will complete all applicable checks (including standard identity checks and credit checks) and aim to have a credit decision ready for you as soon as possible (typically instant).

Although we have high acceptance rates, applications can sometimes be referred prior to approval or declined. Where your application is referred prior to approval, we will explain why this is and obtain the additional information requested by the lender (typically pertaining to your identification or income). In the event your application is declined, we will share with you the reason why (typically because you didn’t meet the lender’s specific criteria when the credit check was carried out, or you have made a lot of credit applications in a short period of time).

Step 5 – Application is approved, deposit is taken, and your order is placed

Once your application has been approved, the lender will email the credit agreement to you for your acceptance and to complete the application.
Once signed, your financing is ready to go. We can proceed to take your initial deposit and begin manufacturing your new windows and doors. Your monthly repayments will only commence once your windows and doors have arrived, been installed, and you have signed your post-installation customer acceptance form.

Where you choose to self fund your home improvement purchase, your deposit payment is protected under the Network VEKA Deposit and Staged Payment Protection Guarantee, up to the value of £10,000 or 25% of the order value. This means that in the highly unlikely event of our insolvency, you can claim your deposit money back from the Scheme.

Where a regulated credit agreement is arranged for you by truhouse, you have the statutory right (under the Consumer Credit Act) to claim your money back in the highly unlikely event of our insolvency. The lender is jointly responsible with truhouse. for the goods and services to which your loan applies – in other words, the lender is jointly responsible with us for your replacement windows and doors, and the installation of them.

Yes, you can pay off your account at any time by requesting a settlement figure from your lender and paying the balance outstanding.

Contact details for your lender can be found on your credit agreement, but should you not have this to hand or be unsure, please don’t hesitate to contact our friendly team on 01453 705757, who will be happy to provide the name and contact details for your lender.

There will be a settlement charge (early repayment charge) due, the value of which will never be more than 2 months’ worth of interest. More information can be found in your credit agreement.

No. While you are welcome to make additional repayments as often as you wish and as much as you can afford, this will not change the value of your monthly repayments. Your Direct Debit amount will remain the same until the balance of your loan is repaid in full.

Making additional payments will, however, mean that you will reduce the term and settle your loan more quickly. Should you take out low rate finance, overpaying will also reduce the total amount of interest payable.

No. There are no overpayment fees or admin fees applied should you wish to overpay to reduce the term of your loan and reduce the total amount of interest payable.

Yes. Details of our complaints procedure can be found here.