If you offer customers finance for kitchens, windows, solar or other projects, you need FCA authorisation. We prepare your complete limited permission application pack — fixed price, ready in three business days* once we have your details.
Yes. If you help customers pay for a project by finance — arranging a loan for a new kitchen, bathroom, windows, conservatory or solar installation, or introducing them to a finance provider — you're carrying out credit broking, a regulated activity. It's been required since 2014, and offering finance without authorisation is a criminal offence.
The good news: because installing and improving homes is your main business and finance simply helps customers fund the work, you almost certainly qualify for limited permission — the simpler, cheaper route. Our guide for home-improvement firms answers the specifics — including the in-home selling rule — and our step-by-step guide covers the full process; if you already know you need it, we'll prepare the pack.
Preparation is in our hands and takes days. Once filed, we handle all correspondence with the FCA on your behalf.
A short form to get started. A member of our team will then call you to discuss your requirements and the application process.
We prepare every document the FCA expects for a home improvement firm's limited permission application — secondary credit broking for project finance — tailored to your business.
We submit your application through the FCA’s Connect portal and deal with the caseworker’s questions until your decision. You just review and sign the declarations.
Every document the FCA expects of a limited permission applicant, prepared for home improvement and filed through Connect on your behalf.
A home improvement firm offering finance typically needs limited permission for secondary credit broking — introducing customers to a lender to help them fund a project. We build your pack around exactly that.
If finance becomes a main activity in its own right, or you lend your own money, you may need full permission — and we'll tell you honestly before you pay a penny.
One fixed fee, paid in two parts. The FCA's own application fee is separate and is itemised on your invoice.
Yes. If you introduce customers to a lender or arrange finance for them, that's credit broking and needs authorisation, regardless of project size or how often.
If you introduce the customer or present finance options, you're credit broking even when the lender handles the agreement. Only if you had no involvement in the finance at all would it fall outside — confirm your position.
For most firms, yes — installing and improving homes is your main business, so finance is secondary. You'd only need full permission if finance became a main activity. See our guide to limited vs full permission.
No. Our £995 covers your complete document pack; the FCA charges a separate fee (currently £560 for limited permission), which we collect with your final payment and pay to the FCA on your behalf. See our cost guide.
No — the decision rests entirely with the FCA. What we can do is prepare a complete, accurate and well-evidenced application that gives it the strongest possible chance.
A short form to begin. A member of our team will call the same business day to discuss your firm's activities and the application.
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