Replacing a door can be a simple way to improve how your home looks and feels. Over time, a door can become warped or weak, and newer doors may provide added safety and help with energy efficiency. However, this type of home improvement can sometimes be expensive.
Some homeowners choose to spread out the cost by using financing. In simple terms, financing (borrowed money) lets you make smaller payments over time instead of paying one large sum at once.
Some traditional lenders, like banks or credit unions, let you use secured (requires something valuable, like a house or car, as a promise) or unsecured (no major collateral) loans for door renovations. Other companies that focus on home improvement might also offer ways to borrow money for doors or windows.
Over time, you might notice:
Some people find that repairing a door may cost anywhere between £90 and £350. Replacing a door can sometimes range from £400 to £1,150 and beyond, including materials and professional installation. These figures are common examples only; your actual cost depends on factors like location, door type (uPVC, timber, composite), and the complexity of the job.
Minor fixes (such as new hinges) might cost between £50 and £200, while extensive work for larger or custom doors can exceed £1,000. Always get quotes from trusted contractors and compare prices.
If you decide to borrow money to help with door repairs or replacements, the following points usually affect the final amount you repay:
Longer terms could mean a smaller monthly payment but more overall interest. Shorter terms often cost less in interest but may mean paying more per month.
Below are a few examples of possible ways people finance door-related projects. Different lenders have different rules, so you may want to compare and find the best option for your situation.
A personal loan means borrowing a set amount to pay for your door work. A secured loan uses something valuable (like a car or savings) to reduce a lender’s risk, which sometimes lowers the interest rate. An unsecured loan does not require this, but it might have higher rates.
When deciding whether to offer someone a loan, personal loan lenders generally look at credit history, income, and other factors.
Some lenders offer special financing if your project aims to improve energy efficiency or use eco-friendly materials. A new door with better insulation could help reduce drafts, although not every installation meets these program requirements. Check early on if you qualify.
Door and window companies sometimes partner with financial providers to offer interest-free periods (a set time with no extra borrowing costs) or extended payment plans (spreading payments over a longer period). After the special offer ends, standard interest might apply.
Choosing finance for a new or repaired door may offer some advantages:
Breaking up the cost into smaller instalments rather than paying a large amount upfront could help you manage your monthly budget.
Financing might let you choose higher-quality materials if you do not have all the money upfront. Better materials might last longer, but this depends on your project and budget.
Newer doors can be sturdier and may insulate your home more effectively. This could help lower your heating bills over time, but results vary.
When a door company or contractor arranges a finance option, it might speed up the process. However, be sure to check if any special rates or rules apply.
Lenders usually require you to be 18 or older. Your credit score and income play a role in eligibility, but exact rules vary from one lender to another.
Costs vary depending on the materials used (such as uPVC, timber, or composite) and any custom features. For example, uPVC doors might start at about £500, while more premium timber or composite doors could begin at around £900 or more.
Generally, uPVC doors cost less to manufacture, so they may have a lower price tag. Composite doors can be sturdier and might have better insulation features, but they usually cost more.
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