What to expect
Here's how the renovation financing process works:
Tell your Beams planner you’re interested
They’ll share a secure link to Phoenix’s online finance application.
Complete a short online form
Phoenix will run an initial eligibility check based on your details.
View loan offers instantly
If eligible, you’ll see offers from one or more lenders on Phoenix’s panel.
Decide whether to go ahead
If you accept an offer, your chosen lender will pay the loan funds into your bank account — usually within 24–48 hours.
Pay Beams as normal
You’ll then make your renovation payments to Beams according to your agreed project schedule.
About Phoenix
Phoenix Financial Consultants Limited is authorised and regulated by the Financial Conduct Authority.
They act as a credit broker, not a lender, and introduce customers to loans from a panel of lenders.
Beams is an Introducer Appointed Representative (IAR) of Phoenix, which allows us to introduce customers to Phoenix as part of their renovation process.
We partner with Phoenix because they work with a wide network of lenders and have over 15 years’ experience helping customers finance home improvements.
If you’re interested, we’ll introduce you to Phoenix by sharing a secure link to their application form. From there, any finance agreement is between you, Phoenix, and your chosen lender — entirely separate from your agreement with Beams.