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Boiler Finance Options

We offer a range of boiler finance options:

Our Services

Offering Various Boiler Finance Options

At S&M Plumbing and Heating we know your boiler is at the heart of your home, and the cost of replacing it can sometimes come as a surprise. But, unfortunately, it’s not something many of us save for or want to spend our savings on!

That’s why S&M Plumbing and Heating can now spread the costs of your new boiler and installation over a repayment term that best suits you with our boiler finance options. As an introducer for TradeHelp Ltd, we have joined forces with Worcester Bosch and Novuna Personal Finance to offer the below products. Finance is available only on Worcester Bosch boilers.

Pay monthly on new Worcester Bosch Boiler installations.

We’re proud to now offer our customers as low as 0%* pay monthly options* on our Worcester Bosch range of heating and hot water systems. So whether you’re considering a new system – we can offer a competitive package that allows you to enjoy peace of mind now whilst spreading the cost of monthly payments for up to 10 years.

* Terms and conditions apply to 0% pay monthly and only applies to boilers on the offer at the time. Please speak to a team member if you require any further information.

*Subject to application and eligibility.

Affordable Payments

Our finance options allow you to spread the cost of your new boiler over time with low monthly payments that are easy to manage.


Keep your savings for another expenditure, such as a family holiday or replacement car. Finance provides that flexibility in future when you may want to spend on some other luxuries.

Extended Guarantees

Many of our finance options come with extended guarantees, giving you added peace of mind and protection for your investment.

Quick & Easy Process

Our finance options are designed to be quick and easy to apply for, with most applications processed within minutes.

Option 1

0% Finance

2 Years Interest FREE Credit

  • Spread the cost over 2 years
  • Low deposit options
  • Up to 12 years, manufacturers guarantee
  • Simple payments with no additional cost
Example 0% interest-free credit

0% Finance – 2 Years Interest Free Credit

Example 0% Interest Free Credit

Cash Price £2,500

Deposit (Min 25%) £625

Total amount of credit £1,875

Term 24 months

24 monthly payment £78.12

Fixed rate of Interest 0%

Total amount payable £2,500

Total charge for credit £0

Get a quote
Option 2

Spread The Cost

Up to 10 Years – 7.9% Credit

  • Spread the cost over 10 years
  • Deposit options
  • Up to 12 years manufactures guarantee
  • Easy monthly payments
Representative Finance example – 7.9%

Cash Price £2,500

Deposit (optional) £625

Total amount of credit £1,875

Term 120 months

120 monthly payments £22.39

APR Representative 7.9%

Interest rate fixed 7.9%

Total amount payable £3,311.80

Total charge for credit £811.80

Get a Quote

Who we CAN work with

  • Minimum age of 18yrs
  • UK resident for more than 12 months
  • Own personal bank account from which a Direct Debit can be taken
  • Owner occupier
  • Permanent employment, working minimum 16hrs per week
  • Self employed
  • Retired person
  • On disability allowance
  • Unemployed & ‘house person’ (with consent of co-habiting working partner)

Who we CAN’T work with

  • Unemployed without a spouse/partner in full time employment
  • Temporary positions/Agency workers
  • Foster Carers without a spouse/partner who meets our minimum employment criteria
  • Child-minders who do not have a registered Créche/Nursery
  • Full Time Students (other than trainee nurses and doctors)
  • Supply Teachers who do not have a permanent contract with a specific school, we would possibly require the school name and address

S&M Plumbing and Heating (FRN 739564) is an Appointed Representative of Consumer Credit Compliance Limited who are authorised and regulated by the Financial Conduct Authority (FRN 739564). The permissions of Consumer Credit Compliance Limited as a Principal firm allow S&M Plumbing and Heating to undertake credit broking. S&M Plumbing and Heating acts as a credit broker and not a lender and does not receive a fee for the introduction.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC authorised and regulated by 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 canceled within 14 days, alternative payment of full outstanding balance must be made.

S&M Plumbing and Heating, Company number 07133705, registered in England and Wales. Registered office address: S&M Plumbing and Heating, Albert St, Denton, Manchester M34 6LB