Finance Calculator

The Garden Office

Finance Options Now Available

Use our finance calculator to explore spreading the cost of your garden office over monthly instalments of up to 10 years.

Once you are happy to go-ahead, simply visit one of our showrooms or book a site survey appointment where a member of the team can process your application.
Finance applications can take a little while to process, so be sure to give yourself a couple hours to both design your building and allow for the finance application.

Calculate Your

Finance Options

Building Cost

Enter the full price of your desired garden room

Enter the full price of the garden room you are looking for using the slider, or by typing in the value.
Check the Finance Breakdown to see how this changes your Monthly Repayments.

Deposit Amount

20%Deposit (minimum 20% deposit).

Toggle to your desired deposit amount. The minimum deposit is 20% of the building cost amount.
Check the Finance Breakdown to see how this changes your Monthly Repayments.

Loan Period


Choose your Loan Period from either 38 months (3 years) 48 months (4 years) or 60 months (5 years), depending on what suits you.
Check the Finance Breakdown to see how this changes your Monthly Repayments.

Representative Example


Finance Not Reached

We can only loan a maximum of £50,000, so please increase the deposit respectively.

Loan Amount:
Exceeds maximum borrowing
Increase Your Deposit By:
Finance Not Reached

We need a minimum of £3,000 to loan, so please decrease the deposit respectively.

Loan Amount:
Minimum borrowing not reached
Decrease Your Deposit By:
Representative APR
Annual Rate of Interest
Agreement Duration
36 months
Deposit Amount
Total Amount of Credit
Total Amount Payable
36 monthly payments of

Finance is subject to application and status. Green Retreats ltd acts as a credit broker and not the lender. Novuna acts as the lender.

Both are authorised and regulated by the Financial Conduct Authority.

A £200 holding deposit is required to secure your chosen installation date and is deducted from your chosen deposit amount (minimum 20%) six weeks prior to your garden room base installation date.

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Finance Example

Cash Price £20,000
Agreed duration 36 Months
Annual rate of interest 8.9% p.a. fixed
Representative APR 8.9% APR
Deposit £4000.00
36 monthly payments £505.50
Total amount credit £16000.00
Total amount payable £18,198.00

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Eligibility Requirements

  • Applicant must be 18 years or over
  • In permanent paid employment (over 16 hours a week), retired and receiving a pension, be a houseperson with a partner in permanent paid employment or be self-employed;
  • Permanent UK resident (minimum of 12 months);
  • Be able to provide acceptable proof of address and proof of signature;
  • Make payments by direct debit
  • Product must be for personal, not business, use.
  • We’re sorry but we don’t currently offer finance to business customers.


Your deposit payment is split into two parts. The first payment is a £200 holding deposit which secures your chosen installation date. The remainder of your deposit amount is due 6 weeks before your chosen installation date.

Applicants must be 18 years or over, in permanent paid employment (over 16 hours a week), retired and receiving a pension, be a house-person with a partner in permanent paid employment or be self-employed, have a permanent UK address (minimum of 12 months), be able to provide proof of address and signature and make payments by direct debit.

Your monthly repayments will begin one month after your purchase has been delivered.

No. There are no arrangement fees or hidden extras.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants.. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant.

Yes – you can settle your balance, in full or partially, at any time. There are no penalties for either option. If you settle the balance in full, you will be charged interest up until the date you settle + an additional 30 days. If you settle part of the balance, this will reduce the term and interest payable on the agreement. The direct debit amount will be unchanged. Alternatively, you can take a payment holiday until the value of the agreement has been used.

Book a call back about finance with us

Visit Our Showrooms

See our garden offices in person and discuss your options with a sales & design consultant at one of our showrooms.