Updated in October 2025
Can I get a new boiler on finance? (Hertfordshire Guide 2025)
Yes – you can get a new boiler on finance. Most UK installers offer 0% plans over 12–36 months or low-APR options over 3–10 years. Your monthly payment depends on boiler type, total cost, term length and credit check. In Hertfordshire, Domestic Heating can arrange finance and install quickly. Below, we explain how it works, costs, steps, risks and the best way to decide.
Table of Contents
What is boiler finance and how does it work?
Boiler finance lets you spread the cost of a new boiler and installation into fixed monthly payments. Most providers offer:
0% interest (12–36 months): Higher monthly, no interest if you pay on time.
Low-APR (3–10 years): Lower monthly, you pay interest over a longer term.
£0 deposit options: Some plans need no upfront payment.
Credit check: Lenders assess affordability and credit history.
Early settlement: Many agreements let you settle early (check any fees).
Boiler finance usually comes via an installer that is an appointed representative or works with a licensed lender. You’ll sign a clear credit agreement before installation.
How to choose the best finance option
Here’s the thing – the “best” option depends on total cost, not just the monthly figure. Compare:
APR and fees: A low monthly payment can hide high interest over time.
Term length: Shorter terms cost less overall; longer terms are easier monthly.
Deposit: Putting down £300–£500 can cut payments and interest.
Promos: 0% offers are great, but check what happens after the promo period.
Early settlement: Useful if you get a bonus or pay rise later.
Warranty and aftercare: Focus on total value, not just the boiler price.
Installer quality: Always pick Gas Safe installers with strong reviews.
Local service: Faster surveys, quicker installs, and easier aftercare in Herts.
Benefits of paying monthly for a boiler
10 reasons homeowners choose finance:
Spread the cost without draining savings.
Upgrade sooner to a safer, more efficient boiler.
Predictable budgeting with fixed monthly payments.
0% options mean no interest if paid on time.
Emergency cover when a boiler fails in winter.
Protect cash flow for other home projects.
Include extras (smart controls, filters, flush) in the package.
Warranty continuity with proper install and servicing.
Early settlement flexibility if your situation changes.
Local support for quick call-outs and maintenance.
Top Tips to get approved and save money
Know your budget: Pick a comfortable monthly cap before you shop.
Check your credit file: Fix errors and make sure your address is up to date.
Compare options: 0% for short terms vs low-APR for longer terms.
Look at total payable: Not just the monthly.
Ask about fees: Arrangement, settlement, or late fees.
Bundle smart controls: A thermostat often pays back in energy savings.
Service plan: Annual servicing keeps efficiency and warranty valid.
Time it right: Off-peak installations can be faster and sometimes cheaper.
Keep paperwork handy: ID, address and income evidence speed approvals.
Use a trusted local installer: Faster surveys and better aftercare.
Cost of a new boiler in 2025 (with monthly examples)
Typical installed price bands (guide):
Combi-to-combi like-for-like: £2,200–£3,800
System or regular swap: £2,800–£4,800
Conversion (e.g., system → combi): £3,300–£5,500
Prices vary with boiler brand, warranty length, flue/pipework, controls, and labour (Hertfordshire rates can be slightly higher in busy periods).
Worked monthly examples (for planning):
Example A – £3,700 total
• 0% over 24 months: ~£154.17/month, £3,700 total
• 9.9% APR over 60 months: ~£78.43/month, ~£4,705 total
• 7.0% personal loan over 60 months: ~£73.26/month, ~£4,395 total
Note: These are examples, not offers. Your terms depend on credit status and the lender.
Best way to apply in Hertfordshire (step-by-step)
Get a fixed survey/quote: Book a home or video survey with a Herts installer.
Pick your package: Boiler model, warranty, controls, filter, flush.
Choose a finance plan: 0% or low-APR, with or without a deposit.
Submit application: ID, address, income. Most decisions are quick.
Book installation: Agree a date; many swaps complete in a day.
Aftercare: Register warranty, set up servicing, keep documents safe.
Local help: Want a fast, fixed quote and finance check? Speak to Domestic Heating – your go-to team for boiler installation in Hertfordshire and central heating services.
What grants or schemes could reduce the cost?
You might lower your cost with government support:
Boiler Upgrade Scheme (BUS): Grants towards low-carbon heating (e.g., heat pumps). If you’re considering a heat pump instead of a gas boiler, this can reduce the upfront bill significantly.
Learn more at GOV.UK (search “Boiler Upgrade Scheme”).
ECO4: Support for eligible households with energy efficiency upgrades. Rules vary for tenants vs homeowners and depend on income and property.
Even if you choose finance, mixing a grant with finance can bring monthly payments down. Ask your installer to run both options.
Authoritative resources:
GOV.UK — Boiler Upgrade Scheme (BUS)
Ofgem — ECO4 scheme overview
Energy Saving Trust — impartial advice on heating choices
Common risks and how to avoid them
Chasing the lowest monthly only: You could pay more overall. Compare total payable.
Missing promo details: Some “buy now, pay later” deals add interest after a period. Read the small print.
Early settlement fees: Ask for them in writing before you sign.
Unclear warranties: Confirm what’s covered, for how long, and service rules.
Poor install quality: Always use Gas Safe engineers and check reviews.
Over-borrowing: Pick a term you can comfortably afford through winter bills.
Alternatives: loan, credit card, heat pump or repair
Personal loan: If you get a better APR than installer finance, it can be cheaper overall.
0% purchase credit card: Works if you can clear the balance within the 0% window; be strict with repayments.
Heat pump with BUS grant: Bigger upfront, but strong running-cost and carbon benefits for suitable homes.
Repair first: If your boiler is young and the fault is minor, a repair may buy you time.
Not sure which path fits? Domestic Heating can price up both a boiler replacement and a heat pump option with BUS support so you can compare.
How long does installation take?
Approval: Often same day if documents are ready.
Survey to install: Many like-for-like swaps can be within a few days, faster in off-peak periods.
Install time: A straight combi swap often 1 day. Conversions can take 1–2 days.
Local installers hold stock of popular models, which speeds things up in cold snaps.
Mini case study: St Albans semi (real-world numbers)
Home: 3-bed semi, old combi failing.
Scope: Like-for-like combi swap, magnetic filter, system cleanse, smart thermostat, 10-year warranty.
Quote: £3,700 all-in.
Option 1 – 0% over 24 months
Monthly: ~£154.17
Total repayable: £3,700
Best for: strong monthly budget and lowest total cost.
Option 2 – 9.9% APR over 60 months
Monthly: ~£78.43
Total repayable: ~£4,705
Best for: lower monthly outgoings.
Option 3 – Personal loan 7.0% over 60 months
Monthly: ~£73.26
Total repayable: ~£4,396
Best for: cheaper overall than 9.9% APR, if you qualify.
Outcome: Customer chose 0%/24 months, valued the 10-year warranty, and booked install within 72 hours.
Emerging trends for 2025
Tighter credit transparency: Clearer breakdowns of fees and total payable on finance and BNPL-style deals.
Heat pump push: Strong grant support keeps heat pumps front-of-mind for suitable homes. Expect more hybrid systems and smarter controls.
Smarter boilers: Better modulation, smart thermostats, learning schedules, and remote diagnostics.
Hydrogen-ready messaging: Many new gas boilers are marketed as “hydrogen-ready.” It won’t change bills today, but it is shaping product choices.
Subscription servicing: Fixed monthly servicing and extended warranties packaged with finance.
FAQs
Can I get 0% boiler finance?
Yes. Many installers offer 0% over 12–36 months. Availability depends on the boiler model, lender, promo periods and your credit status.
Do I need a deposit?
Not always. £0 deposit options exist, but a small deposit can lower monthly payments and, sometimes, total interest.
Will there be a credit check?
Yes. Lenders run affordability and credit checks. Keep your ID, address and income documents ready to speed things up.
How fast can I be installed after approval?
Like-for-like swaps often happen within a few days of approval and survey, sometimes faster in off-peak times.
Is boiler finance or a personal loan cheaper?
It depends on the APR and fees. Always compare the total amount payable. A great 0% deal or a low-APR bank loan may win on overall cost.
Can landlords in Hertfordshire use boiler finance?
Usually yes, but terms vary. Landlords should also check if wider efficiency upgrades unlock funding under other schemes.
Conclusion & next step
Getting a new boiler on finance is simple, quick and budget-friendly. Choose between 0% short-term or low-APR long-term options, compare total payable, and make sure you’re covered with a solid warranty and aftercare.
Want local, fast and fuss-free? Domestic Heating is Hertfordshire’s go-to for expert advice, fixed quotes and flexible finance.
→ Start here: Boiler installation in Hertfordshire or explore central heating services.
