Kitchen finance - credit check

SDavies84

Hi everyone, hoping for a little advice! I have recently bought my first home (woop!) and then kitchen needs redoing. I've basically got no money left after the house purchase and was looking into paying monthly/paying in a year options for getting a new kitchen fitted. I've been looking at companies online that do this, but it seems as though they only do credit checks after booking in an appointment and designing your kitchen?! Does this sound right? I don't want to go through making appointments/working on a design only to fail the credit check. (My credit score isn't great and has dropped after getting the mortgage), so it would potentially be an issue. Does anyone know if you can see if you are eligible before putting plans into place? I've had a look at who finances these companies and it seems Novuna is a name that appears frequently, but I can't see if you can check your eligibility with them either. Has anyone bought a kitchen on finance and can advise of the process? Thank you all!

Mark_d

I bought a kitchen on finance and only had to do the credit check after agreeing the sale

SDavies84

Mark_d said:

I bought a kitchen on finance and only had to do the credit check after agreeing the sale

Yes, that's what I thought... I just want to check whether I would be eligible before agreeing a sale... It's quite embarrassing to be turned down otherwise! 

Does anyone know if anywhere does kitchen finance for bad credit or no credit check? I doubt it, but thought to check!

Hoenir

Is refurbishing the kitchen a neccessity?  As long as it's functional who cares. Save money for a while instead of burdening yourself with more expensive credit. 

Cressida100

As above, why not settle into the house for a few months before embarking on a new kitchen. New stuff can wait. 

pmartin86

I've lived with my "needs to be refurbished kitchen" for nearly 3 years now, only 3 of the 5 hobs work, half the sockets dont work, there are 3 cracks in the granite counter, the sink is scratched to hell and back and there are more "supporting screws" in and on the cupboards and doors than there is wood these days, but all in all, I've changed my "Dream" design at least 5 times since I moved in, its only the last 6-9 months I've stablised on a design (with the odd minor tweaks!).

You need to live in a house and understand its flow before you embark on serious things that cant easily be changed later, make what you have work and save up in the mean time, you'll thank yourself later.