Finance

 

0% Finance. Flexibility when you need it!

 

With fixed monthly payments, you can spread the cost of your project across 12 or 24 months. Spreading the repayments across a slightly longer period can help to reduce the size of monthly repayments.

0% finance packages are currently available through our BATHLINE bathroom showrooms in Northern Ireland Only. If you are interested in applying for please ask a member of our bathroom showroom staff. They will be able to assist by explaining the types of finance options we currently have available.

They will fill out the application form with you in our showroom, ensuring that you read all the salient points of the agreement. Once they have validated your identity they will pass the control of the keyboard to you to e-sign the agreement.

Once your finance application is approved and you have e-signed, all the documents will be emailed to the email address provided, please read this documentation carefully, checking that all the details are correct. After e-signing your finance agreement instore a delivery date will be agreed.

Credit is subject to status and affordability. Credit provided by Hitachi Capital (UK) PLC trading as Hitachi Capital Consumer Finance, 2 Apex View, Leeds, LS11 9BH.

 

Terms & Conditions

  • Finance is subject to status and available only to persons aged 18 or over
  • Applicants must be a Homeowner, with the goods being delivered to the application address. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.
  • Minimum purchase level is £1,500 on all eligible products
  • Minimum 10% deposit is required
  • Minimum duration of finance agreement is 12 months. Maximum duration is 24 months.
  • Minimum amount of credit £1,500
  • Maximum amount of credit £25,000
  • Finance will only be available on bathroom showroom products
  • We reserve the right to remove this offer at any time

 

BATHLINE T/A Haldane Fisher are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. (Authorisation number 681740) Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Representative bathroom example shown includes basin & pedestal, wc, seat, cistern, bath and tapware. Picture used for illustrative purposes only. The minimum amount of credit available is £1,500 and the maximum amount £25,000. Finance offer available from 22nd July – 7th September 2019

 

Official Company Information

Haldane Fisher Limited.
Registered office:  Shepherd’s Way, Carnbane, Newry, Northern Ireland. BT35 6QQ.
Company registration number NI 24075 VAT no. 517 712 550

 

Applying for finance

PLEASE NOTE – Finance is only applicable to UK residents

 

FAQs

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

There are no arrangement fees or hidden extras.

Once my application is approved, what happens next?

Once you have e-signed your agreement in store and paid your deposit you can agree a date to deliver your goods.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

 

Who is eligible to apply for finance?

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of the Republic of Ireland. Homemakers aren’t excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

 

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

  • Consumer Help Desk, Experian Limited, PO Box 8000, Nottingham, NG1 5GX
  • Equifax Ltd., Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

 

Official Company Information

Haldane Fisher Limited.
Registered office:  Shepherd’s Way, Carnbane, Newry, Northern Ireland. BT35 6QQ.
Company registration number NI 24075 VAT no. 517 712 550