At Hassle Free Boilers we can perform a soft credit check for customers who want to pay monthly for a new boiler, who may not have a perfect credit history. And we offer options with or without a deposit too.

Even if you haven’t got a perfect credit history, but you’re looking for a new boiler, it’s still worth getting a quote from us. Lots of people are approved for a new pay-monthly boiler with our affordability credit check. A soft credit check does not appear on your credit history or impact your credit score.

The key red flags that can cause someone to fail our credit check are:

  • Active (unsatisfied) CCJs
  • Current insolvency or IVA
  • Mortgage currently in arrears
  • Other accounts currently in default

If any of these apply to you, the options available to you are:

  1. You can buy a boiler and we can help identify the right boiler to suit your budget and needs – they start at just £1,299 and that includes a 2 year manufacturer’s warranty.
  2. You might like to get your partner or a family member to apply to us.
  3. Maybe you could ask friend to buy the boiler using their credit and you repay them.

We have explained in further detail the credit check red flags and if the above options apply.


IVA (Individual Voluntary Arrangement)

An IVA is a contractual agreement between you and your creditors (the people you owe money to) to repay your outstanding debts, either in full or in part. They are contractual because they have to be administered by a licensed insolvency practitioner, who is usually a qualified lawyer or accountant.

A default on an IVA will appear on your credit report for a minimum of six years from the date of the arrangement and longer if the arrangement lasts more than six years. If you are still in an IVA then the above options are your best chances of moving forward with getting a replacement boiler.


CCJ (County Court Judgement)

If you get a county court judgment (CCJ) or a high court judgement, it will stay on the Register of Judgements, Orders and Fines for 6 years. If you have had a CCJ that has been settled then we can probably help you. However, if the CCJ has not been settled than we are unlikely to be able to help.



Bankruptcy is a legal status that usually lasts for a year. However, it will stay on your credit report for seven years. The above options are your best ways of moving forward.


Mortgage currently in arrears

In order to get credit you would need to make sure that your mortgage on your house is not in arrears. If your mortgage is in areas then again, the above three options would apply.


Other accounts currently in default

If you have taken out credit elsewhere and are behind on your payments, with no arrangement to pay, you probably understand that a finance house would be very suspicious about lending you more money.


Boiler Quote with Bad Credit History

If you believe that one of the solutions above applies to your credit history, please don’t be put off from getting a quote from our boiler experts. Our soft credit checks won’t affect your credit score, you could still be approved for a new boiler or you might be surprised how inexpensive a new boiler will be for you.

Research shows that most homeowners don’t know the true cost of a new boiler

In 2017 Installer Magazine reported that most people, out of the 2,000 surveyed, estimated the cost of replacing an old or broken boiler to be just under £700. In reality the total cost of a new boiler could be three times that amount.

How much is a new boiler?

Most people don’t expect the average cost for a new boiler to be at least £2000.

These latest findings go to show that many people are unaware of the impact of purchasing a new boiler on their annual budget. A broken boiler could cost the same amount as a family holiday.

Often, people do not budget for this type of expense so many are left stranded with a choice of either no heating or paying over the odds for an emergency boiler installation. With hourly plumber rates in London reaching over £200, many families have to use their credit card or overdrafts.

In comparission to this, a Hassle Free Boiler through our subscription scheme requires no deposit, and you get installation of a brand new A-rated boiler, all for an affordable monthly fee. 

So, don’t put off your boiler replacement till winter – or until it breaks – if your boiler is old, you’re most likely spending more than you need to on your water and heating bills. You could save up to £350 with an A-rated energy efficient boiler. Get your quote today, and start saving!

When contemplating a heating system upgrade homeowners usually have two options: gas or oil heating.

Both options are capable of firing up your boiler and keeping your home nice and warm during cold season, both have their pros and cons, which should be considered before making a decision. The following are ten things you need to know about oil-fired boiler systems for your home.

1. Oil Boilers in the UK

In the UK, oil is usually used in ‘wet’ heating systems where the oil-fired boiler will heat the water that provides central heating with the help of radiators placed in a home, along with hot water. There are over four million households in the UK that are not on the main gas network, so you wouldn’t be alone if you chose an oil-fired boiler system for your home. The information provide here will hopefully enable confused homeowners to make a better decision when choosing a boiler system.

2. Fuel Accessibility

One of the main differences between an oil boiler and a gas boiler is that the former has to be delivered to you by road and stored in a tank which is either bought or rented from the supplier, while the latter can be obtained from an existing gas connection. There are two options to buy heating oil: cash on delivery (COD) or seasonal delivery contract. The first option is the cheapest, only requiring that you have enough cash to make the payment for the oil that’s been delivered. With the delivery contract, the homeowner agrees on the price before the start of the season. The supplier then guarantees that the homeowner will always get enough oil for their boiler, and will estimate the consumption to schedule regular oil deliveries.

3. Two Types of Oil Boilers

Oil boilers come in two types – heat only and combination condensing boilers. The oil fired combination boilers have an internal hot water storage tank that supplies hot water, instead of getting access to water on demand, as it is gas boilers.

4. Oil Boiler Energy Efficiency

According to OFTEC the running cost for higher efficiency boiler is £942 per year. Since the new law passed in 1 April 2007 all the new oil boilers need have a Sedbuk energy efficiency of 86% or higher. There are exceptions to the rule which deems lower efficiency permissible. However the reality is that only condensing oil-fired boilers meet such an energy efficiency target. Usually, a new condensing oil-fired boiler will have an efficiency of 92% to 93%, compared with 85% for a new non-condensing boiler and 60% to 70% for older systems.

An oil boiler purchased from a well-established company should be just as efficient as a gas powered boiler system, if not more. Oil is highly efficient as a fuel and gives you good return on every unit of energy. To improve the efficiency of oil boilers these tips should be followed:

  • Room thermostats should always be used
  • Thermostats and the boiler needs to be wired in an interlock in order to stop short cycling when either hot water or room heating is not required
  • The hot water tank must have a cylinder thermostat
  • Hot water and heating always must be programmed separately
  • Thermostatic radiator valves must be placed on radiators

5. The Oil Boiler Cost

According to Which? magazine the average cost of oil heating for a three-bedroom house is around £1,355. This compares to between £770 and £950 for gas boiler. However this also depends on the efficiency of your boiler, and £1,300 for liquid petroleum gas (LPG). Furthermore, oil boilers can cost anywhere between £1,180 and £2,700, depending on the oil boiler manufacturer, model and capacity.

6. Recycling Waste to Create Heat

One of the main advantages of an oil boiler is that it offers higher efficiency since it is able to recycle the waste gases that build up in the flue, leading towards more energy production, which in turn, improves a home’s heating and hot water production.

7. Oil Boiler Flue

Oil boilers can be fitted with open flues it is recommended that a balanced flue be used since it is far more efficient and versatile. A flue is a pipe or duct designed to connect heating appliances to fresh air and allow combustion gases to be released safely. This way of allowing combustion gases to be released from boilers is most often referred to as ‘balanced flue’ or ‘open flue’.

8. Hot Water Storage

Both oil powered and gas powered boilers work in the same way except for the fact that an oil boiler also features a hot water storage tank, which stores hot water for later consumption, while a gas boiler relies on on-demand water heating. The average oil tank in size ranges from 1000 litres (220 gallons) and 1360 litres (300 gallons), with some larger domestic tanks having a capacity of up to 2500 litres (550 gallons). The tanks can be made from steel, fiberglass or a combination of the two materials.

9. Types of Heating Oil

There are two types of heating oil used in domestic heating, gas oil and kerosene. The most common oil-fired boilers used in the UK run on 28sec oil, which is also known as Kerosene. 28Sec oil burns very clean and leaves minimal deposits when it comes to smoke or soot. The ‘Sec’ part of the oil description refers to the thickness of the oil. It refers to the time it takes for a ball bearing of a certain size and diameter to pass through a set distance of the kerosene. The other type of heating oil is gas oil which is also known as 35-second oil or red diesel. This is a heavier oil generally used in old agricultural or commercial boilers.

10. Service and Maintenance

If your boiler is not serviced annually it will be at a higher risk of breaking down. However, you should not only be worried about the cost of fixing your oil boiler but also about risks to your health. As with any fossil fuel burning appliance, poor or inadequate servicing can cause the generation of carbon monoxide. All components of the boiler should be checked, cleaned or replaced if required to ensure the boiler functions at optimum levels. Even the tank should be checked for water contamination. Also, filter elements will require cleaning or may need to be replaced. It is also important to get the boiler checked for oil leaks. If the boiler is not serviced regularly, long term damage may occur resulting to you having to spend more money. A well maintained oil heat system can last for up to 20 years.

Off-grid domestic heating for England and Wales by OFTEC

OFTEC – the trade association for the oil heating industry in the UK and Ireland – has officially launched its vision to improve energy efficiency and carbon reduction for off grid homes.

The Government is looking closely at the future of heat in domestic buildings as a way to meet its carbon reduction promises. Greenhouse gas emissions from oil heating account for less than 2% of the UK’s total, but OFTEC is concerned there is currently a lack of affordable and practical measures to help the majority of rural households improve the energy efficiency of their homes and reduce carbon emissions from heating.

Domestic heating is at a crossroads. Current domestic heat policy lets down the majority of the 3.6 million off-grid homes in England and Wales. Including the 970,000 oil heating households.

The domestic RHI is only viable for the wealthy few to cut carbon emissions. Whilst the Energy Company Obligation (ECO) is only for those on very low incomes This leaves the majority out in the cold.

A new way forward must be found to help these homes to keep their energy bills low and reduce carbon emissions cost-effectively. In a way which is practical and easy to implement and avoids high upfront costs.

We believe this can be achieved with a two stage approach:

Stage 1

Introduce a boiler replacement scheme (2018 – 2022). To upgrade the 400,000 standard efficiency oil boilers still in use in England and Wales. Supported by better heating controls to further reduce energy consumption.

Stage 2

Bring to market a low carbon liquid fuel (2022 onwards). Because it’s cheaper to replace the fuel than upgrade an entire heating system.

Why will this approach work?

OFTEC’s independently verified calculations show that for the same £5,000 government spend, boiler replacement is 5x more effective in reducing carbon emissions than the Domestic RHI:

  • Boiler Replacement 20.8 tonnes CO2 saved
  • Domestic RHI 3.49 tonnes CO2 saved

Boiler replacement can upgrade 13x more homes than the RHI. Energy bills wills also be much lower compared to using RHI technologies. Running costs for high efficiency oil boiler is £942 per year. Average home with 16,000kWh energy requirement Sutherland Tables, April 2017, compared to £1,576 for an ASHP.

OFTEC believe the future lies in greening the fuel.

So, why is a low carbon liquid fuel a more realistic solution than the RHI?

Upgrading a boiler is quick and easy. Compared to complex system installation with RHI technologies. Small cost to modify existing boiler to a low carbon liquid fuel, roughly £250. Compared to the huge expense to install RHI technologies £10,000+. Use the existing supply and installer network with a low carbon liquid fuel. Compared to expensive upgrade to UK power grid to cope with higher electricity demand.

We believe our two stage proposal provides a complete, workable and affordable solution to an urgent problem. And one that homeowners would welcome and embrace. OFTEC are sharing their vision with the aim of securing government investment and support to turn this into a reality.

For a full copy of their proposal go here.

Before you buy a property, remember to inspect the boiler to make sure it’s in good working condition.

There are many horror stories of boilers breaking down as soon as people move into a new house. New owners are often forced to pay hefty bills. This guide explains everything you need to know about a boiler before moving into a new property.

Building regulations and certificates exist to ensure the safety of people living in and around residential buildings. These regulations and certificates improve the safety of gas and oil heating appliances, and ensures that they’re installed by professionals.

Ask for the paperwork

Even if the home owner shows you a relatively new boiler and central heating system, ask your solicitor to get the building certificate. Asking for the necessary paperwork will tell you whether the boiler was installed properly or not. Hopefully this will mean you won’t have to fork out to fix underlying issues once you’ve moved into the property.

Gas Safety Certificate

A gas safety certificate shows that a boiler was installed correctly, and by professionals. If there is no gas safety certificate, you should ask the seller to arrange one. Ask for a Gas Safe registered installer to check the boiler system and certify it before you move in.

Get the Boiler Inspected

If possible, before you agree to buy a property, ask for a boiler inspection to take place. A Gas Safe engineer should inspect the boiler and heating system before the exchange, to let you know if it’s in good condition or not..

Buildings Regulation Compliance Certificate

Along with the Gas Safety Certificate, also ask the seller for a buildings regulation compliance certificate, also known as a Buildings Regulation Compliance Gas Safety Certificate. This will come in handy if you want to sell the property after a few years, as you can pass on the proper paperwork to the new owner.

Pay Attention to the Details

The Buildings Regulation Compliance Certificate should include the address, certificate number, the date the boiler system was installed, along with other details about the boiler and the Gas Safe Registered installer.

Building Regulation Documents

Building regulations may differ from county to county within the UK. Building regulations are updated each year and are mainly concerned with energy conservation, and your boiler should be checked annually – especially if you’re letting your home.


It’s the Home Owner’s Responsibility

By law, it is the homeowner’s responsibility to make sure that their boiler and heating system complies with boiler regulations. This is the reason why all gas fired boilers are required to be installed by a Gas Safe registered technician, while all oil-fired boilers have to be installed by OFTEC registered installers.

In England and Wales, the local authorities have to be informed whenever a heating appliance is installed in a property. The local authority needs to be notified within 30 working days of the completion date of the new installation. Once complete, a Building Regulations Compliance Certificate should arrive thorugh the post within 10-15 working days.