Finance Options

Throughout the years of trading we have worked with finance providers for all sectors.

Since 2018 we are offering Home Improvement Finace Solutions to our clients up to £50,000.00 based on a single project.

Cairngorm Spas Ltd, Speyside Business Centre, Dalfber Industrial Esatate, Aviemore, PH22 1ST; FCA No 713377 trading as Highland Home Centre act as a credit broker and not the lender. Credit is provided by Hitachi Personal Finance, trading style of Hitachi Capital (UK) PLC. Hitachi Capital (UK) PLC is authorised and regulated by the Financial Conduct Authority (Register no. 704348).

Exmple of Choice of Funding based on a purchase of £9,000

OPTION1 - CASH or SELF FUNDING
 
  Price Deposit Balance
  9,000.00 4,500.00 4,500.00  
 
 
 
OPTION 2 - HITACHI PERSONAL FINANCE BUY NOW PAY LATER
  Price Deposit Amount Borrowed
  9,000.00 1,349.25 7,650.75

Representative APR 11.9%

If settled in full within the 12 month deferral period then there is no interest to pay, however a 29.00 early settlement fee will apply. This means that you would pay 7,650.75 + 29.00 = 7,679.75 (the amount borrowed + the early settlement fee).
If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period. Interest will continue to be charged until the agreement is repaid in full. Your payments would be as follows:
  After 12 months 120 monthly repayments of 118.24 Total Payable 15,538.05
 
 
 
OPTION 3 - HITACHI PERSONAL FINANCE DEFERRED AND PREFERRED
  Price Deposit Amount Borrowed
  9,000.00 1,349.25 7,650.75

Representative APR 4.9%

If settled in full within the 3 month deferral period then there is no interest to pay, however a 29.00 early settlement fee will apply. This means that you would pay 7,650.75 + 29.00 = 7,679.75 (the amount borrowed + the early settlement fee).
If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period. Interest will continue to be charged until the agreement is repaid in full. Your payments would be as follows:
  After 3 months 60 monthly repayments of 144.79 Total Payable 10,036.65
 
 
 
OPTION 4 - HITACHI PERSONAL FINANCE INTEREST FREE CREDIT
  Price Deposit Amount Borrowed
  9,000.00 4,500.00 4,500.00

Representative APR 0%

Simply divide the loan amount by the term of the agreement and this will be your monthly repayment amount for the entirety of the agreement. No interest or fees are payable with this option.
  24 monthly payments of 187.50 Total Payable 9,000.00

For details and more information, please call 01479 812 433 or fill out the below enquiry form to send you our eCOF - Electronics Choice Of Funding.