A new roof or significant repair works represent a major outlay. We have partnered with Ideal4Finance to offer flexible finance options that let you spread the cost with fixed monthly repayments; so you can protect your home without having to find the full amount upfront. Finance is provided by Ideal4Finance (Ideal Sales Solutions Ltd, FRN 703401), a credit broker authorised and regulated by the Financial Conduct Authority.
Finance is available for new roofs, re-roofing projects, and repair works across Glasgow, Ayrshire and Central Scotland. Choose from interest free over 12 months or longer terms up to 10 years. The application is completed entirely online and a decision is typically provided quickly.
Three finance products to suit different budgets and project sizes. All subject to status and lender assessment.
Getting finance for your roofing project is straightforward. Here’s what to expect.
Our surveyor visits your property, assesses the work required, and provides a detailed written quote at no cost and with no obligation to proceed.
Once you’re happy with the quote, apply online in minutes through our Ideal4Finance link. You’ll receive a fast decision. Applying does not affect your credit score.
Once finance is confirmed, our team gets started. Monthly repayments begin after the work is complete and you’re fully satisfied. Funds are paid directly to us.
Use our handy finance calculator to find out more about the loan repayments. Please note that this provides a guide only and the exact details will be confirmed during the application process.
Open Finance CalculatorThe following examples illustrate what monthly repayments could look like based on typical project amounts. Use the finance calculator above for a figure based on your own project cost.
| Purchase amount | £6,000 |
| Deposit (25%) | £1,500 |
| Total credit | £4,500 |
| Interest rate | 0% fixed |
| Loan duration | 12 months |
| Interest paid | £0.00 |
| Total repayable | £4,500 |
| Total cost | £6,000 |
| Purchase amount | £10,000 |
| Deposit (25%) | £2,500 |
| Total credit | £7,500 |
| Interest rate | 11.9% fixed |
| Loan duration | 60 months |
| Interest paid | £2,487.28 |
| Total repayable | £9,987.28 |
| Total cost | £12,487.28 |
| Purchase amount | £14,000 |
| Deposit (25%) | £3,500 |
| Total credit | £10,500 |
| Interest rate | 10.9% fixed |
| Loan duration | 120 months |
| Interest paid | £6,785.26 |
| Total repayable | £17,285.26 |
| Total cost | £20,785.26 |
Important: There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full. Failure to do so can lead to financial difficulties and have a negative impact on your credit score.
Click below to begin your online finance application through Ideal4Finance. The process takes just a few minutes. If you need support during your application, call the Ideal4Finance loans team on 020 3617 4647 (Mon–Fri, 9am–5pm).
Finance is available to UK residents aged 18 and over. You will need to pass a credit check. Finance is subject to status, not all applicants will be accepted. The rate offered will depend on your personal circumstances, the loan amount, and the term.
An initial soft search is carried out to provide a quote, which does not affect your credit score. A full credit search is only carried out when you proceed with a full application.
Yes. Finance is available for both new roofs and repair works. There is no requirement for it to be a full roof replacement. Please discuss this with us when booking your survey and we will talk you through the options.
The online application takes just a few minutes to complete and in most cases a decision is provided quickly. Once approved in principle, we can schedule your roofing work without delay.
Monthly repayments begin once the work is complete and you have confirmed your satisfaction. Funds are paid directly to J Shearer Roofing, not to the customer, once completion has been verified.
There is no minimum deposit required, however we always encourage a sizable deposit where possible. A larger deposit reduces the total credit amount and therefore your monthly repayments. Deposit arrangements will be discussed with you as part of the quotation process.
If you need support at any stage, contact Ideal4Finance directly on 020 3617 4647, Monday to Friday, 9am to 5pm. You can also call our team on 0141 638 6613 and we will help point you in the right direction.
Yes, finance is not limited to full roof replacements. It is available for a wide range of repair works including slate and tile repairs, gutter work, leadwork, and Velux window installations. Please discuss your specific requirements with us when booking your survey.
Finance is subject to status and a credit check will be carried out as part of the application process. Having a less than perfect credit history does not automatically mean you will be declined, as decisions are based on a range of factors. We would encourage you to apply and see, the initial soft search does not affect your credit score.
The amount you can borrow will depend on your personal circumstances, the loan amount requested, and the term chosen. Finance is available for a range of project sizes, from smaller repair works through to full roof replacements. Use our finance calculator for an indication of monthly repayments based on your project cost.
Roofing finance in the UK works through a credit broker arrangement. J Shearer Roofing is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance, who arrange the finance on your behalf. You apply online, receive a decision, and if approved the funds are paid directly to J Shearer Roofing once the work is complete and you have confirmed your satisfaction.
Don’t Put Off Essential Roof Work
A failing roof doesn’t get better with time. Water ingress, structural damage, and damp can develop quickly and cost far more to address the longer they are left. Finance lets you protect your home now and spread the cost in a way that suits your budget, rather than waiting until a small problem becomes a much larger one.
Finance is available for a wide range of works, not just full roof replacements. Whether you need slate or tile repairs, gutter work, leadwork, or a Velux window installation, you can apply for finance to cover the cost. Speak to us when booking your survey and we will talk you through the options available.
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What Our Customers Say
J Shearer Roofing Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.
