Finance your home improvements with Fortuna Home Solutions
Spread the cost of your windows, doors and conservatories with flexible, transparent finance options from FHS in partnership with Kanda – apply in minutes, get an instant decision and start paying only after your installation is complete.
Payment options
Financing your next home improvement with FHS is designed to be as straightforward as the installation itself. We understand that replacing windows, upgrading your front door or adding a new conservatory is a major decision, both emotionally and financially. That is why we offer a full range of payment routes, from traditional methods to modern finance plans delivered through our partner Kanda.
You can keep things simple with a one-off payment, spread the cost over a fixed period or combine a deposit with finance to suit your budget. Every option is clearly explained in plain English and there are no hidden fees from us. Our team will happily talk you through the choices, helping you find the approach that best fits your household and your future plans.
Whether you want to move quickly on an urgent project or take time to phase improvements room by room, our payment options give you the flexibility to plan ahead with complete confidence.
Cash
If you prefer the simplicity of paying in full, we are happy to accept cash for your project. This option suits customers who have already set aside funds and want a clean, one-off transaction with no ongoing commitments. A minimum 30% deposit is taken when you place your order, with the remaining balance due on completion once you are satisfied with the work. We will always provide written receipts so you have a clear record of every payment made.
Credit and debit card
Most of our customers now choose to pay by card. We accept all major credit and debit cards, allowing you to earn any rewards offered by your bank while enjoying a secure, instant payment process. Card payments are ideal for spreading the cost across your existing credit arrangements or simply avoiding the need to handle cash and paper invoices. As with all of our options, you will receive a full, itemised invoice for your records.
BACS and cheques
For customers who like to manage everything through their bank account, we also accept BACS transfers and cheques. This route can be particularly convenient for businesses, landlords or customers who prefer to handle payments online from a current account. A 30% deposit is required to secure your survey and installation slot, with the balance paid once the project is complete. Our office team will provide all the details you need to set up the transfer or send your cheque safely.
Finance plans with FHS x Kanda
Our finance options are designed around real homeowners. Working with Kanda, a trusted UK credit broker, we offer a range of plans that make it easy to invest in your property without sacrificing day-to-day comfort. From short, interest-free terms to longer repayment periods with low, fixed monthly payments, you stay in control of how and when you pay.
Buy Now, Pay Later
Start your home improvements straight away and delay your repayments. With Buy Now, Pay Later you can have your new windows, doors or conservatory installed, sign your satisfaction note and then take time before settling the balance. It is ideal if you are waiting for funds to clear, planning around a bonus or simply prefer to hold on to your savings for a little longer. The full details of any deferral period, interest and settlement dates are explained clearly before you sign.
Interest-free plans
If you want the predictability of equal payments but do not wish to pay interest, our interest-free options are an excellent choice. Your total project cost is simply divided into a series of monthly instalments with no additional charges from the lender during the agreed term. This makes it easy to plan your budget and ensures every pound you pay goes straight towards improving your home rather than servicing interest.
Flexible finance for 2–10 years
For larger projects or whole-house refurbishments, you can spread the cost over anything from two to ten years with interest-bearing finance. These plans come with clear, fixed monthly repayments so you always know exactly what will leave your account and when. It is a great way to invest in higher specification products, such as energy-efficient glazing or premium composite doors, while keeping your monthly outgoings under control.
Finance that gives you peace of mind
Our finance plans are designed to help you improve your home without putting pressure on your day-to-day finances. Applications are completed online through Kanda, using a secure form that normally takes around five minutes. You will receive an instant decision from the lender, and your initial application only uses a soft credit check, which means there is no impact on your credit score unless you choose to go ahead.
Once your project has been installed, we will ask you to sign a satisfaction note confirming that you are happy with the work. Only then do your repayments begin, typically 30 days after installation. Everything is handled transparently, with clear documentation so you always know the total amount payable, the length of your term and your monthly instalments.
Get a tailored quote
We are always happy to explain the different finance options in more detail and recommend the route that best fits your circumstances. Whether you are a first-time buyer looking to improve energy efficiency, a growing family needing more space or a landlord planning upgrades across a portfolio, we can help you choose a solution that balances monthly affordability with long-term value. We believe everyone deserves to live in a warm, secure and comfortable home, which is why we work hard to offer some of the most competitive finance choices in the South.
Finance FAQs
Can I repay my finance early?
Yes. You are welcome to make overpayments or settle your agreement in full before the end of the term. Many customers choose to do this if they receive a bonus or inherit some money. Depending on the specific product you choose there may be an early settlement or interest-adjustment fee, but this will always be explained in your documentation from the lender so you can make an informed decision.
When do my repayments start?
Your repayments usually begin 30 days after your project has been installed and you have signed a satisfaction note. We never ask you to start paying before the work is complete. This means you can see and feel the benefit of your new windows, doors or conservatory before your first payment leaves your account.
Who can apply for finance with FHS?
To be eligible you must be a homeowner aged 18 or over and living in the UK, with the right to both live and work here. The property being improved should normally be your main residence, although there may be options for landlords subject to the lender’s criteria. If you are unsure, talk to our team and we will help you understand whether you are likely to qualify before you begin an application.
Do I have to pay a deposit if I use finance?
A deposit is not always required when you choose a finance option. Some customers prefer to pay a contribution up front to reduce their monthly repayments, while others decide to fund the full project through finance. Where deposits are taken, they are normally up to 50% of the overall project value and are agreed between you and our team before any paperwork is completed.
Will applying for finance affect my credit score?
The initial application through Kanda only carries out a soft credit check, which means it will not leave a footprint on your credit file or affect your score. If you decide to proceed and sign a finance agreement, the lender will then complete a full, or hard, credit check as part of their normal responsible lending process.
Who is Kanda and are you the lender?
Kanda is a UK-based credit broker that works with a panel of lenders to offer fair and competitive finance products for home improvements. Fortuna Home Solutions is an Introducer Appointed Representative of Kanda – we introduce you to their platform, but we are not the lender and we do not make the credit decision. This separation ensures your application is assessed independently and in line with financial regulations.
I would rather not use finance – can I still buy from you?
Of course. Finance is just one of several ways to pay. Many customers still prefer to pay by card, bank transfer, cheque or cash and we will happily support whichever route works best for you. Our role is simply to give you options so you can choose the method that aligns with your circumstances and comfort level.
How long does the application take and how do I start?
The online finance form usually takes around five minutes to complete and can be done on your mobile, tablet or computer. Once submitted, you will receive an instant decision from the lender. To begin, simply speak to your FHS consultant during your survey or quotation appointment and we will send you a secure link to the Kanda platform so you can apply at a time that suits you.
