Meet Sarah from Bromley

Sarah lives in a detached property in Bromley with her husband and their Labrador, Bailey. Their existing timber fence had been standing for nearly twenty years and was beginning to show its age. Several posts had started leaning, the panels required regular painting, and after a particularly wet winter, sections had begun to rot.

Although they had originally planned to repair the fence, they soon realised replacing it would be the more cost-effective long-term solution. After receiving quotations, Sarah decided to upgrade to composite fencing instead of replacing the timber like-for-like. We asked Sarah about her experience and why she decided to finance the project.

Q: What made you decide to replace your old fence?

Sarah: "The fence had reached the point where repairing it wasn't really worth it anymore. Every year we seemed to replace another panel or another post. We were spending money constantly without actually solving the problem. We finally decided it was time to invest in something that would last."

Q: Why did you choose composite fencing instead of timber?

Sarah: "Initially we expected to install another timber fence because that's what we'd always had. However, once we started researching, composite fencing seemed like a much better long-term investment. It doesn't need painting every year, it won't rot like timber, and we really liked the modern appearance. It was more expensive initially, but we felt the lower maintenance would save us money over time."

Q: Was cost a concern?

Sarah: "Definitely. Composite fencing costs more than traditional timber, especially when you're replacing fencing around the entire garden. We could have paid for it outright, but it would have taken a big chunk out of our savings. We preferred to keep those savings available in case something unexpected happened."

Q: When did finance become an option?

Sarah: "When we received the quotation, we were told there were finance options available with monthly repayments. Until then, we hadn't even considered financing garden fencing. Once we realised we could spread the cost over time, the project suddenly became much more affordable."

Q: Did finance change the type of fence you decided to buy?

Sarah: "Yes, without question. If finance hadn't been available, we would probably have chosen another timber fence simply because of the lower upfront cost. Instead, we were able to choose the composite fencing we really wanted without putting too much pressure on our monthly budget."

Q: How did you find the finance application process?

Sarah: "Honestly, it was much easier than we expected. We received our quotation first, looked through the finance options available and completed the online application. The process was straightforward, and we received a decision quickly. Once everything had been confirmed, we arranged a convenient installation date."

Q: Did you have any concerns before applying?

Sarah: "I think everyone worries about applying for finance because you don't know exactly what to expect. We read through everything carefully before submitting our application, and we appreciated that the information was presented clearly. It made us feel much more confident about making our decision."

Q: How did you budget for the repayments?

Sarah: "We looked at our monthly household spending and worked out what would comfortably fit within our budget. The repayments were much easier to manage than paying the full amount all at once. We could improve the garden immediately without having to postpone other plans."

Q: What was the installation day like?

Sarah: "Everything went very smoothly. The installation team arrived when they said they would, walked us through the plan for the day and made sure we were happy before they started. They removed the old timber fencing, installed the new composite fence and left the garden clean and tidy afterwards. It was far less disruptive than I had expected."

Q: What was your first impression of the finished fence?

Sarah: "The difference was incredible. We knew it would look better than the old fence, but we didn't realise how much it would completely change the appearance of the garden. Everything looked cleaner, brighter and much more modern. Even our neighbours commented on how much better it looked."

Q: Has the new fence changed how you use your garden?

Sarah: "Absolutely. Before replacing the fence, we always noticed the damaged panels and leaning posts whenever we sat outside. Now the garden feels like a much nicer place to spend time. We recently bought some new outdoor furniture because the whole space finally feels finished. We spend far more evenings outside than we used to."

Q: Has composite fencing lived up to your expectations?

Sarah: "It definitely has. One of the biggest reasons we chose composite fencing was to avoid the constant maintenance that comes with timber. We haven't needed to paint it, stain it or replace any damaged panels. A quick clean every now and then is all it's needed so far. Knowing we won't be spending weekends repainting the fence every couple of years is a huge bonus."

Q: Looking back, do you think finance was the right decision?

Sarah: "Without a doubt. We could have delayed the project until we'd saved more money, but that would have meant living with an old, deteriorating fence for another year or two. Finance allowed us to complete the project when we actually needed it while keeping our savings available for other priorities."

Q: Would you recommend financing a garden fence to other homeowners?

Sarah: "Yes, especially if you're considering upgrading to something that will last much longer. Finance gave us the flexibility to choose the fencing we really wanted rather than settling for the cheapest option. As long as you understand the repayments and choose something that fits your budget, it's a great way to improve your home sooner."

Q: What advice would you give someone who's thinking about replacing their fence?

Sarah: "Don't just look at the upfront price. Think about how much maintenance you'll have over the next ten or twenty years. We nearly chose timber because it was cheaper initially, but when we considered repainting, replacing damaged panels and future repairs, composite fencing made much more sense. If finance is available, it can make upgrading far more achievable."

Has replacing your fence added value beyond appearance?

Sarah: "Definitely. We feel much more secure, the garden is far more private and everything feels much more enclosed. Even simple things like letting our dog into the garden are less stressful because we know the fencing is solid and secure. It's improved both the appearance of the property and how we enjoy our outdoor space."

Project Summary

Customer: Sarah from Bromley

Project: Full garden fence replacement

Previous Fence: Ageing timber fencing requiring regular repairs and maintenance

New Fence: Modern low-maintenance composite fencing

Why Finance? To spread the cost of upgrading to composite fencing while keeping household savings available for other priorities.

Result: A modern, secure and low-maintenance garden fence installed without the need to pay the full project cost upfront.

Thinking About Financing Your Own Garden Fence?

Find out more info about a garden fence finance here ->

Every homeowner's situation is different, but financing a new garden fence can make larger home improvement projects more manageable by spreading the cost over affordable monthly repayments. Whether you're replacing storm-damaged fencing, upgrading to composite materials or improving your property's privacy and security, finance may help you complete the project sooner without a significant upfront payment.

If you're considering a new garden fence, speak to our team for a free, no-obligation quotation. We'll discuss your project, explain the available finance options and help you find the right fencing solution for your home and budget.

Finance is available subject to status. Terms and conditions apply.