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Original poster

What’s the most common way to pay for a new kitchen?

51 replies

Horcrux · 23/10/2019 15:01

Or bathroom.

Do most people save, or take out a loan?

Would you rather have s shitty old kitchen with no debt, or a nice new one with £5k of debt?

OP posts:
Passthecherrycoke · 23/10/2019 18:50

It depends on how much it is, but we had a £8k bathroom (some conversion and plumbing included) and a £20k kitchen (some building included) paid for my remortgaging

However, I see no problem at all in the 0% interest deals they’re great. Either save £500 a month or have your new kitchen right now and pay them the £500 a month. Job done. Who wouldn’t want their new kitchen faster?

SignOnTheWindow · 23/10/2019 18:57

What @Passthecherrycoke said.

Lockheart · 23/10/2019 18:59

If all that's wrong with it is shabby and dated then honestly I'd just sand and paint the cupboards and walls, maybe get a new floor laid (vinyl /lino is quite cheap), and buy some new appliances (kettle / toaster / microwave). Maybe a new table and chairs if you want (or a get a good table cloth and sand down the current chairs and varnish them). And get some new cupboard handles too.

You could do it all for a few hundred quid and it would save getting into debt.

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BrokenWing · 23/10/2019 19:00

We saved.

milkysmum · 23/10/2019 19:12

I've just bought a new kitchen from B&Q for 2k and the joiner will charge £1k to fit it.
Might not be the best quality kitchen in the world but it will look a damn sure better than it does now!!
I just extended my existing loan ever so slightly to cover it.

MeganChips · 23/10/2019 19:15

We did ours on interest free credit and paid it off in a year.

That way we got to keep our savings and the admittedly paltry interest we get from them.

BuggerOffAndGoodDayToYou · 23/10/2019 19:30

I’ve always saved up for things like that. I would only get a loan if it was for something essential and an emergency.

WalkAwaySugarbear · 23/10/2019 20:06

We replaced ours last year, it was a B&Q kitchen and small so fairly cheap but we replaced everything, it was £9k with trade discounts, should have been about £12k really.
We waited and saved for it as we do with everything however the old kitchen was fine, basic and perfectly workable.
I don't do debt, despite paying for everything on credit cards we have the money in savings to pay for it even if it takes years to save.

Maryann1975 · 23/10/2019 20:16

Our kitchen loan was for £7k, so I guess it cost just a bit more than that to complete the job. It was a Howdens mid price range and we have a medium sized kitchen. We do have friends who reckon you can’t get a new kitchen for under £25k, but they earn considerably more than us so they assume we all have the same standard as they do.

We were both sure our incomes were secure, so didn’t mind taking out a loan to pay for it, the old kitchen was looking quite grotty, so I was glad to get a new clean kitchen in its place. We will do the bathroom next, but I’m happy to save for that. (We have a downstairs loo, so very few people see the bathroom, whereas everyone sees our kitchen as soon as they step through the door).

IceCreamAndCandyfloss · 23/10/2019 20:17

We saved. We always do as won’t go into debt for a purchase bar mortgage.

There’s no way it could have been done for £5k though unless you can fit it yourself. The joiner, electrician and plumber all very quickly added up without buying anything else.

Original poster
Horcrux · 23/10/2019 20:27

I like the idea of having the savings but then still using interest free credit, so you then keep your savings but also have a contingency.
Thanks

OP posts:
Crede · 23/10/2019 20:28

Loan, I took a large loan out and did the kitchen, the double glazing and some other work that needed doing.

gonewiththerain · 23/10/2019 20:31

Not sure where these prices come from as I’ve just spent 2.5k on mine no appliances apart from extractor fan and we fitted it.
Bathroom was £3k and that included all new plumbing as it was in another room before.

Bigeater · 23/10/2019 20:33

I think 5k is extremely cheap and perhaps not the best quality unless you are saving money by fitting it yourself. Very obviously depends on size of house and what you are putting in it. If you fancy an AGA for instance that would set you back £12k before you started. It's how long's a piece of string really.

Original poster
Horcrux · 23/10/2019 20:33

The prices are interesting, thanks. I have no idea!!

OP posts:
Cornflakesncake · 23/10/2019 20:34

'Genuinely thought kitchens cost more like 10 - 20k, even from mainstream retailers like howdens/IKEA. I'm glad to be corrected! Unless this is like the mumsnet chicken...'

20k!! You could get a conservatory cheaper than that. For 20k I'd be expecting some sort of extension.

SwedishEdith · 23/10/2019 20:37

Ikea interest free credit. I'd consider an interest free credit card as well.

KTCluck · 23/10/2019 20:37

We took out a loan as we renovated the whole house on moving in - walls knocked down, central heating installed, full re-wire, re-plastered, new windows, kitchen and bathroom. Most was paid cash but we were around 10k short and didn’t want to stop when we were only half finished. We got a good interest rate. Obviously it cost us a bit more than if we had managed to save the whole amount prior to buying, but to us the convenience of having all the work done at once meant it was worth paying the extra to us. The loan is almost paid off and we have no regrets.

If it’s not desperately needing done, then save, but I don’t think it’s a massive deal to take on a loan if your kitchen is really getting you down, as long as you appreciate that it’ll cost a bit more in the long run and you can easily afford the repayments.

PancakeAndKeith · 23/10/2019 20:41

The thing is that there is no one ‘kitchen’.

My kitchen is a galley kitchen with two runs of units. When I got a new kitchen I kept the same fridge freezer and cooker.

My friends have a kitchen that has two runs of units twice as long with an island.
If they changed theirs I’m guessing it’ll cost them more than mine.

KTCluck · 23/10/2019 20:43

Oh and ours cost around 5k from B and Q for the kitchen / utility cupboards, worktop and appliances including a range cooker. We do have a pretty small (but not tiny) kitchen. 4 years on its still like new so happy with the quality. Fitting and electrics was extra but lumped in with the rest of the renovation. Flooring and decorating were extra also. However, we did look at slightly cheaper kitchens and if we had gone for one of those, hadn’t added cupboards in the utility, and settled for a run of the mill oven I’m sure we would have come in at closer to 5k all in.

tizwozliz · 23/10/2019 20:52

We could have paid for ours outright, but took out interest free credit at ikea. This was only 2k though, fitted ourselves

What’s the most common way to pay for a new kitchen?
Thegrandoldelf · 23/10/2019 22:21

We did our kitchen last year. It cost about £18k all in and we used savings. Conversely we also bought a new car last year and have partly paid for that with a £10k loan over 5 years. We could have paid outright for the car too but I like to have cash savings available to us or I get twitchy.

zsazsajuju · 24/10/2019 08:59

A small to medium sized kitchen at IKEA would be 2-3k and the quality is good and guaranteed for 20 years. If you want a stone worktop etc that would be more and you need to budget for fitting and tiling

Cookit · 24/10/2019 09:02

IlWe paid cash. Kitchen cost probably the cost of a nice car, bathroom a smaller car. We’d budgeted for it when buying the house because it needed serious work and some structural changes which we included in the kitchen and bathroom renovations.

HilaryBriss · 24/10/2019 10:15

Genuinely thought kitchens cost more like 10 - 20k, even from mainstream retailers like howdens/IKEA.

I used a small independent kitchen place as I found that they tend to be cheaper than the chains and it cost less than 5K 4 years ago. I had a new cooker and extractor hood, other appliances I kept my own. No granite work surfaces or high end fittings for that price obviously but I only live in a small terraced house and I think it looks lovely (especially compared to the crap 1980's one that was there before!).