Financing a new roof

A full re-roof commonly runs into five figures, so paying outright isn't always an option. These are the main routes to spreading the cost.

Roofing finance and "buy now, pay later"

Many larger roofing companies offer finance through a regulated lender, letting you spread payments over months or years — sometimes interest-free over a short term, more often with interest over a longer one. Always check the APR, the total amount repayable, and that the lender is FCA-authorised before signing.

Personal loans

An unsecured personal loan from a bank or building society is a common way to fund a roof. Rates depend on your credit and the amount, and because the loan isn't secured against your home, the risk profile differs from secured borrowing. Compare the total repayable, not just the monthly figure.

Home improvement loans and remortgaging

Some homeowners fund major roof work by borrowing against their property — a further advance on the mortgage or a remortgage. This usually offers lower rates but spreads the cost over a long period (so you may pay more interest overall), and the borrowing is secured against your home. Independent mortgage advice is worth getting here.

Credit cards

For smaller jobs or deposits, a 0% purchase credit card can be useful if you can clear it within the promotional period. Paying part of the cost on a credit card can also add Section 75 purchase protection. It's rarely the right tool for funding a whole re-roof unless you can repay quickly.

Insurance claims

If your roof has been damaged by a covered event — storm, fire, fallen tree — the cost may be met by your buildings insurance rather than financed at all. Document the damage, check your policy, and get a professional report. See our pages on storm damage and fire damage.

Grants

There is no general government grant for a standard domestic re-roof in the UK. Be sceptical of anyone claiming otherwise. Limited help may exist in specific circumstances (for example certain energy-efficiency or disrepair schemes, or for listed buildings), but these are narrow and conditional — check official sources such as GOV.UK directly.