Finance Terms & Conditions

Terms & Conditions

Buy now pay in 12 months finance offer is available on orders between £5,000 – £85,000 (inc VAT) with a minimum total deposit of 65%. Credit is subject to status and affordability, terms apply. 14.9% APR representative. Interest is calculated from the start of the agreement, which means that interest will accrue during the holiday period.

Tom Howley, FRN: 724093 , are authorised and regulated by the Financial Conduct Authority. We are a credit broker, not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms and conditions apply.

Further Information

If you have a complaint relating to your finance agreement:

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What to do if you can’t reach an agreement:

If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you. They can be contacted in the following ways:

• Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
• Telephone: 0300 123 9 123
• E-mail:

Further details can be found on the Financial Ombudsman Service website: