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Ways to Pay for Your Accessible Bathroom
We are pleased to offer a range of payment options to help you move forward with an accessible bathroom installation that suits your mobility needs and matches the style of your home.Â
Our Available Finance Options
We’ve partnered with Novuna Personal Finance and The Right Advice to offer flexible payment options that make your new accessible bathroom more affordable. Whether you prefer to defer your payments or start managing your budget immediately with fixed monthly instalments, we have a plan to suit you.Â
Buy Now, Pay Later (9.9% APR Representative)
With our Buy Now, Pay Later (BNPL) option, you can get started with your new mobility bathroom with a deposit of just 35% for walk-in showers and wet rooms, or 50% for walk-in bath installations. The remaining balance is then deferred for 6 or 12 months, giving you breathing room. If you choose to clear the balance within this period, you’ll simply pay a £29 one-off settlement fee with no interest. If the balance isn’t cleared, it will automatically move onto a 48-month repayment plan at a representative 9.9% APR, offering you the ultimate flexibility to pay in a way that works for you.
Important:Â Interest is calculated from the start of the agreement, which means interest will accrue during the holiday period. If you do not pay the loan off in full during the holiday period, you will have to pay the interest accrued. Credit is subject to status and affordability.
Spread the Cost, Right Away
Our Monthly Payments option is designed for those who want to manage their budget with fixed, predictable outgoings from day one. You can begin your new accessible bathroom with a 35% deposit for walk-in showers and wet rooms, or 50% for walk-in bath installations. Unlike our BNPL option, monthly payments begin immediately after your installation is complete. This option allows you to spread the cost over a longer, manageable term of up to 60 months at a representative 9.9% APR, making it the ideal choice for long-term financial planning and certainty.Â
Lifetime Mortgage
Since the 1980s, UK house prices have risen significantly, meaning your home may be worth much more than when you first purchased it years ago. If you are aged 55 or over, own your property in the UK, and use it as your main residence, a Lifetime Mortgage allows you to unlock some of this value as tax-free cash to fund your mobility bathroom without having to sell or move.Â
- Stay in the Home You Love:Â You remain the legal owner of your property throughout the duration of the plan.
- No Monthly Repayments:Â The loan is only repaid when the property is sold; this may be when you pass away, move into long-term care, or choose to sell for another reason. Many plans allow you to transfer the mortgage to a new home, subject to the lender’s criteria.
- No Negative Equity Guarantee:Â You are protected by a guarantee that ensures you will never owe more than the value of your home.
- Flexible Funding:Â You can receive your money as a single lump sum or through a drawdown facility to take smaller amounts as and when you need them.
Important: This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home, or if you want your family to inherit it. If you are in any doubt, seek independent advice.
Age Care Bathrooms do not offer Equity Release advice; we connect our users with advisers from The Right Advice. The Right Advice is a trading style of The Right Retirement Plan Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales. 13502665. 70 St. Johns Close, Knowle, Solihull, B93 0NH.
Representative Examples
These examples are for illustration only. Exact figures will be shown on your finance agreement.
Buy Now, Pay Later (9.9% APR Representative)
Buy Now Pay Later (6-month deferral): Cash price £7,380.00, deposit £2,583.00, amount of credit £4,797.00, interest rate 9.9% p.a. fixed, 9.9% APR Representative, total term 54 months (6-month payment holiday followed by 48 monthly repayments of £125.31), total charge for credit £1,217.88, total amount payable £8,597.88. A £29.00 settlement administration fee applies if the balance is settled in full during the deferral period. Interest is calculated from the start of the agreement and accrues during the payment holiday; if you settle in full within the deferral period, no interest is charged, but if you do not, the accrued interest becomes payable.
Monthly Payments
Monthly payments (60-month term): Cash price £7,380.00, deposit £2,583.00, amount of credit £4,797.00, interest rate 9.9% p.a. fixed, 9.9% APR Representative, total term 60 months, 60 monthly repayments of £100.70, total charge for credit £1,245.00, total amount payable £8,625.00. Interest is charged from the start of the agreement across the full term.
Our Finance Options Compared
| Feature | Buy Now, Pay Later (9.9% APR Representative) |
Monthly Payments |
|---|---|---|
| Deposit (Shower/Wet Room) | 35% | 35% |
| Deposit (Walk-in Bath) | 50% | 50% |
| Deferment Period | 6 or 12 Months | None |
| Repayment Starts | After deferment period | Immediately after installation |
| Repayment Terms | 48 Months only | 36, 48, or 60 Months |
| Representative APR | 9.9% | 9.9% |
| Settlement Fee | £29 (if paid during deferment) | N/A |
See What's Possible: Use Our Finance Calculator!
Planning a bathroom transformation is about more than just fixtures; it’s also about finding a financial path that offers you total peace of mind. Our Finance Calculator is designed to help you explore the options we offer, allowing you to see how different repayment terms will impact your monthly budget.Â
Where Should You Start?
Every accessible bathroom we install is designed to the needs of each customer, but to help you get an idea, here are our starting prices for fully installed mobility bathroom solutions:Â
- Walk-in Baths: From £7,500.
- Walk-in Showers: From £8,500.
- Full Wet Rooms: From £10,000.
How to Use the Calculator
Simply input one of the starting prices above (or your own estimated budget!) into the tool. You can then adjust the deposit amount and repayment term to see a monthly figure/finance summary.Â
This tool is here to help you plan your new accessible bathroom with confidence before you book a free home visit with one of our experts.Â
If you would like to discuss finance options in more detail or have any further questions, please give our friendly team a call!
Ways to Pay for Your Accessible Bathroom FAQs
We want you to have total clarity before making any financial decisions. Below, we’ve answered the most common questions our team receives regarding our Novuna finance options and the application process.
Do I Qualify For Credit?
To qualify for credit, you must be at least 18 years old and have been a UK resident for more than 12 months. You will need to hold a personal bank account from which a Direct Debit can be taken and meet one of the following criteria: be in permanent employment working a minimum of 16 hours per week, be self-employed, retired, on disability allowance, registered as a carer, or unemployed and a ‘house person’ (with the consent of a co-habiting working partner). Applicants must also not be declared bankrupt, engaged in an Individual Voluntary Arrangement (IVA), or have any County Court Judgments (CCJs) against them.
Can I make payments during the deferral?
Yes. You can pay some or all of the balance. If you clear the full balance in the deferral period, you pay just the £29 one-off charge and no interest.
What if I don’t clear it in time?
Any remaining balance automatically moves to a 48-month plan at 9.9% APR representative. You can still overpay or clear in full at any time.
Is there a deposit?
A 35% deposit is required to get started. This reduces the balance you finance and helps keep monthly payments manageable.
Will this affect my credit file?
Applications include credit checks. Missed or late payments may impact your credit rating.
Can I combine BNPL with your other offers?
Some promotions can’t be combined with finance. We’ll clarify what’s available when you receive your quote.
How do I sign up?
There’s nothing you need to do right now. After your free, no-obligation home design visit, our team will go through the finance options with you and guide you step-by-step through the application. We’ll handle everything, so the process is simple and stress-free.
Buy Now Pay Later In a Nutshell
With our Buy Now, Pay Later plan, you can get your new bathroom now and pay on your terms:
- A range of payment and deferral terms available on purchases up to £25,000.
- Deposit options are between 10% and 50% of the purchase price.
- Settle in full during this period with just a £29 settlement fee and no interest
- 9.9% fixed APR after 12 months.
- After the holiday period spread equal monthly repayments up to 48 months.
- Alternatively, experience financial flexibility by settling at any time within 48 months, reducing interest (including interest calculated at inception of agreement).
- Flexibility to make overpayments at any stage of the loan, enhancing convenience.
- Soft search: A quick credit check that doesn’t affect your credit score or leave visible marks on your file.
Responsibilities : It’s important to note that financing is a form of credit agreement. In the event of non-payment, your lender may involve a debt collection agency or initiate legal proceedings to reclaim the owed amount. Moreover, failing to keep up with your payments could adversely impact your credit record and history.
When do my monthly repayments begin?
Unlike our Buy Now, Pay Later option, which defers payments for up to a year, Monthly Payments (interest-bearing repayments) start shortly after your installation is complete. This is the preferred choice for customers who want to start managing their accessible bathroom renovation budget immediately.
How long can I spread the cost over?
We offer three fixed repayment terms to suit your budget: 36, 48, or 60 months. Choosing a longer term, such as 60 months, is an option that will keep your individual monthly outgoings lower.Â
What is the interest rate for our Monthly Payments option?
The representative APR for our Monthly Payments (interest-bearing finance) is 9.9%. This rate is fixed for the entire duration of your agreement, meaning your monthly payments will never increase, regardless of what happens with the wider economy.
How much deposit will I need to pay?
The initial deposit depends on the type of solution you choose. For walk-in showers and full wet rooms, the deposit is 35%. For walk-in bath installations, the deposit is 50%. You can also choose to pay a larger deposit upfront to reduce your monthly payments.
Can I pay off the balance early?
Yes. You have the flexibility to make overpayments or settle the agreement in full at any time through our finance partner, Novuna Personal Finance. Doing so can reduce the total amount of interest you pay over the life of the loan.Â
Is the finance application process difficult?
Not at all. The application is handled digitally and usually takes a few minutes. Most customers receive an instant decision. Our team can assist you with the application to ensure everything is completed correctly.
Who provides the finance for my new bathroom?
All our finance options are provided by Novuna Personal Finance, one of the UK’s most reputable and trusted specialist lenders. This partnership ensures that your agreement is handled with the highest level of security and professional service.
Is there a cooling-off period if I change my mind?
Yes. All of our Monthly Payments agreements include a standard 14-day cooling-off period, which begins the day after you sign your finance documentation. This allows you to withdraw from the finance agreement without any penalty if your circumstances or plans change. To cancel during this 14-day window, you can do so by contacting our team or Novuna Personal Finance directly.Â