Finance now available...


Sometimes we find that there is a little too much month and not quite enough in the kitty to do what we planned to do. Help is now at hand as we can are very pleased to announce that we can now offer finance through Phoenix. 

THE FIREPLACE WIGAN LIMITED is an introducer appointed representative of Phoenix Financial Consultants Limited ("Phoenix"). Phoenix is a credit broker that is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 539195) which offers finance for home improvement projects from its panel of lenders.

All finance subject to status and credit checks.

Finance for Fires,  Fireplaces & Stoves

Finance available for Fires, Fireplaces & Stoves


Your installer, THE FIREPLACE WIGAN LIMITED , is able to offer a loan option from Phoenix Financial Consultants Limited ("Phoenix") on their stoves and fireplaces quotes.

Phoenix acts as a credit broker (it is not a lender) and can introduce you to a loan for the full cost of the home improvement from a panel of lenders. Loan approval is not guaranteed and you will need to complete a short loan application which will assess your financial circumstances and your ability to repay the loan. Your credit file will be searched by the lender.

Key features of the loan:

  • Loan terms available from 1 - 15 years .

  • Interest rates available from 0% APR Representative. You may be offered a higher interest rate depending on your financial circumstances.

  • You can pay a deposit if you wish (directly to the trader) or apply to borrow the entire amount.

  • Overpayments and early repayments can be made at any time. If you make overpayments, you will avoid future interest, and the length of the loan will be reduced.

  • You will need to decide if the loan is right for you. Neither Phoenix nor The Fireplace Wigan Ltd can give you any financial advice.

  • Loan approval is not guaranteed and you will need to complete a short online loan application which will assess your financial circumstances and your ability to repay any loan. The lender will perform a hard search on your credit file.

  • Further information is available on the Phoenix website under their FAQ section

The table below shows the monthly repayment and the total amount repayable for a loan amount of £4,000.

Loan Calculator

Loan Calculator


Your installer, THE FIREPLACE WIGAN LIMITED, is able to offer a loan option from Phoenix Financial Consultants Limited ("Phoenix") on their stoves and fireplaces quotes.

The loan calculator allows you to see example monthly repayment and total amount repayable values. You can enter the amount and specify an optional deposit amount to display example repayments.

Representative example:

Cash price of product: £1695.00, Optional Deposit: Nil, Loan Amount: £1695.00, Term: 15 Years, Monthly repayment: £14.07 Total amount payable: £2,532.96. Interest rate & Representative APR: 5.90% (fixed).
Next Steps

Next Steps


If you wish to apply for a loan, your trader quote email issued by ourselves contains a link to the Phoenix website where you can complete your application.

If your loan application is approved, once you sign the loan agreement, The Fireplace Wigan will arrange an installation date to suit you. Your first loan repayment will typically be taken via Direct Debit one month after the work is completed.

Important Customer Information

Minimum Eligibility Criteria

The Phoenix loan options are available in the following instances:

  • Borrower must be an individual - no joint applications

  • The work must be carried out on a UK residential property - no hotels or business propertys

  • The work doers not have to be done at the property of the borrower, ie it can be  a parent taking out a loan to buy a fire/fireplace/stove for a son/daughter who lives in a separate property.

  • Landlords are eligible.

  • Borrowers must be over 18 years of age and UK resident.

  • No upper age limit - note some elderly customers may be classed as vulnerable 9see FAQ on the Phoenix website).

  • Borrowers must be employed, retired or self employed.

Our Role - what we can do

As an introducer it carries a regulated status so we can only undertake certain activities. Our status allows us to do two things:

  • Advertise the fact that finance is available through Phoenix.

  • Distribute hard copy collateral from Phoenix to customers describing the finance option available.

Our Role - what we can't do

  • Discuss the features and benefits of the loan option - we can simply refer customers to the quote which links to the payment options page

  • Comment on the APR or any other terms of the loan - all questions are answered via the Phoenix website.

  • Assist the customer in the loan application.

  • Advise the customer on whether they should take out a loan - this must be YOUR decision.

  • Comment on interest rates available for similar loans.

  • Comment on whether the customer is likely to be accepted by the lender or not.

  • Make use of any financial promotion not approved by Phoenix.

  • The Fireplace Wigan Ltd will not give out any financial advice either part or whole.

Dissatisfaction From Finance Customers

We take great pride in our fantastic reputation for delivering great customer service. We always follow up any issues until you are satisfied. We offer a lifetime guarantee on our workmanship and fireplaces. It is up to the customer to register their warranties for fires & stoves and make sure that they follow the criteria they lay out to maintain them, ie annual servicing.

If you are unhappy with anything related to the loan, Phoenix will take ownership of this and resolve it.

We accept all major credit & debit cards along with cash.

Sorry no cheques

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© 2015 by Fires & Fireplaces of Wigan. Proudly created by Ian Foster with