A new upgraded decking can transform how you use your outdoor space — whether it’s for family barbecues, relaxing evenings, or entertaining guests. But building one can be a sizeable investment.
With decking financing, you don’t have to pay the entire cost upfront. Instead, you can spread payments over time while enjoying your new space.
Depending on your needs and credit profile, you may be able to borrow a lump sum from a lender and repay it through fixed monthly payments. Deck loans can cover everything from materials and labour to add-ons like railings, lighting, and pergolas.
Decks endure a lot — sun, rain, wind, and foot traffic. When it’s time to upgrade, here are some common problems that may need attention:
The total cost of building or upgrading a deck depends on several factors:
Need help funding your project? Here are a few ways homeowners finance outdoor improvements:
This type of loan uses your property as collateral, which may lead to lower interest rates. However, if you ever find yourself in a position where you cannot make the repayments, your home may be repossessed by the lender to repay the loan.
With a personal loan, you get the funds upfront and repay them over a fixed term. These loans typically don’t require home equity.
While smaller decking specialists may not offer financing, larger home improvement companies often work with third-party financing partners.
Choosing to finance your deck offers a number of advantages:
Financing can help you begin construction or address urgent issues right away, rather than waiting to save up the full amount.
Spreading the cost over time may help you avoid reducing your savings all at once, though keep in mind you will pay interest on a loan.
Access to financing may allow you to go for the deck you really want with better materials, built-in seating, or ambient lighting.
Adding a well-designed outdoor space may increase property appeal and resale value.
You can fund a new deck through personal loans, secured loans, or retailer financing plans. The right option is a personal choice based on circumstance.
A six-metre by six-metre deck in the UK can cost anywhere from £1,000 to over £6,000 depending on materials, design complexity, and extras.
It may be rare to find a decking specialist that offers in-house financing. Most smaller companies do not have the resources required.
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