Your Home Salary Deduction Benefit

Upgrade Your Living Space with Simple Payments

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What Is Home Salary Sacrifice?

Get the items you need now and pay in direct installments from your salary.

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How Does it Work?

Sacrifice some of your pre-tax (gross) salary in return for home goods. You may see up to 12% savings on National Insurance.

Where Can I Shop?

We've partnered with IKEA to offer you access to a huge range of furniture, appliances, decor and more!

Repayment Length

Pay off your purchase over an agreed period of 24 month period of time.

Purchase Limitations

You'll be able to purchase home goods worth up to __ , and spread the cost via monthly salary deductions.

What Are The Benefits?

Interest-Free Goods:

This benefit allows you to purchase any wide-range of household items completely interest-free, over the agreed repayment period.

No Credit Score Impact:

Using your salary to pay for household goods won't impact your credit score. Giving you complete peace of mind whilst enjoying the convenience of monthly payments.

Budget Friendly Repayment

The salary deduction repayment option allows you to get the products you need, without the upfront cost, making payments more manageable and budget-friendly.

Access to Premium Homeware

You can now access high-quality furniture and homeware without the immediate financial burden, ensuring you can enjoy the latest home upgrades at your convenience.

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FAQ's

What Are the Benefits of This Scheme?

Spread the cost on a huge range of household goods. There are no credit checks, deposits or upfront costs and you can make savings of up to 12% on National Insurance (through a salary sacrifice arrangement).

What Is a Salary Sacrifice Arrangement?

Salary sacrifice arrangements are where an employee chooses to exchange some of their gross (pre-tax) salary for a given period of time in return for a benefit provided by the employer, the value of which is exempt from National Insurance. Having a Home scheme package through a salary sacrifice arrangement is considered by HM Revenue & Customs to be a form of income which they refer to as ‘Benefit-in-kind’.

Do I Own The Goods Chosen Through The Scheme?

Ownership of the goods is transferred to you on day one. At the end of the agreement, your salary reduction will cease and your salary will return to its previous amount.

Can I Change My Monthly Spend Limit and Repayment Terms?

No, your monthly spend limit and the repayment terms are set by your employer before the scheme goes live. The agreed terms will be the same for every eligible employee.

What Happens After I Order?

Our intention always is to deliver as quickly as possible, however, you will be subject to an approval process within your organisation before this can happen. We keep you updated throughout the order process regarding approval and delivery via text message or email. All deliveries are subject to stock availability.

What Happens if I Leave My Employer?

If you do leave your employer for any reason including redundancy, dismissal or if you decide to voluntarily take unpaid leave before the end of the agreement period, you will be required to pay a termination fee, which will be the remaining balance of the goods. Further information specific to you, your scheme and the products chosen can be found on the employee agreement.