At H2O Bathroom Design, we believe that a stunning, spa-like sanctuary shouldn’t stay a pipe dream just because of the upfront cost.
Whether you are looking for a complete wet room renovation or a modern suite upgrade, our flexible finance options allow you to spread the cost and start enjoying your new space sooner. We’ve partnered with trusted financial experts to offer straightforward, transparent credit options tailored to fit your budget. Below is an example of how you can break down the investment into manageable monthly steps.
Representative example
Cash price of goods – £6000
Deposit or advance payment – £1200
Amount of credit – £4800
Interest rate – 7.9% p.a. fixed
Representative APR – 7.9%
Term in months – 36
Monthly repayment amount – £149.61
Total amount payable – £6585.96
The fine print
Please review the following regulatory information regarding our credit services:
Credit is subject to status and affordability. H2O BATHROOM DESIGN CO LTD (trading as H2O BATHROOM DESIGN CO LTD) is authorised and regulated by the Financial Conduct Authority, FRN: 1039120.
We act as a credit broker, not a lender. Credit is subject to status and affordability, provided by Mitsubishi HC Capital UK PLC. Terms and Conditions apply. You can access the Financial Services Register at http://www.fca.org.uk.
Finance FAQs
To be considered for a finance agreement, you must meet the following criteria:
You must be at least 18 years old
You must have been a UK resident for more than 12 months
You must have a personal bank account from which a Direct Debit can be taken
You must fall into one of the following categories:
In permanent employment (working a minimum of 16 hours per week)
Self-employed
Retired from work
In receipt of Disability Allowance
A registered carer
A ‘house person’ (unemployed, with the consent of a co-habiting, working partner)
Payments will begin one month after the goods have been delivered.
Customers can change their payment date once they have received their welcome documents.
Yes, customers can make additional payments at any time free of charge.
Yes, please call our Customer Service team on 0344 375 5500 to discuss this in further detail.
The quickest and easiest way for customers to view their balance is by managing their account online. Customers can create an account or access an existing one here.
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 finance to residents of Eire.
Homemakers aren’t excluded from applying under their own names; however, the employment details of your spouse/partner will be required in order to process your application.
No. There are no arrangement fees or hidden extras.
Applying for finance couldn’t be easier or more convenient. When you buy from us, you have the choice of using finance and our staff will talk you through what is needed to process an application.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement, and you will also receive an email confirming these details.
Please read the agreement carefully by checking that all the details are correct, then electronically sign the agreement or print.
Following receipt of your finance agreement and a few additional checks, your purchase can proceed.
All finance decisions will be made within seconds. Once you are approved, we will contact you (during working hours) to finalise your purchase. If you your application is referred Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.
Within minutes of your application being approved, you will be presented with the option to e-sign your agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms. A copy of your credit agreement will be emailed to you once the e-signature has been completed.
Once you have agreed to the terms of the finance agreement, the retailer will be notified, and you need to do nothing more.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
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 consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one or a combination of the following:
Your credit score (please 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
Some of the information is public information, for example, electoral roll, County Court Judgments 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.
Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
TransUnion International UK Limited, Consumer Services, 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.
Yes. We acknowledge that circumstances change, and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest, however, that you leave at least 6 months between applications.
The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The ‘APR’ is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate and other charges that you pay to get the loan. The FCA description of any APR is ‘APR stands for the Annual Percentage Rate of charge’. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.
Speak to one of our experts about the plans for your bathroom. Whatever you are envisioning, our talented team can make it a sumptuous reality.
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