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We all rely on our boilers for a warm home and a hot daily shower – we take for granted this luxury, but if and when our boiler breaks down, it’s essential to fix the problem immediately and get it back up and running as soon as possible.

In an ideal world, we’d be able to tap in to our rainy-day-savings – problem solved – but boilers are expensive to repair and even more costly to replace, so in this crisis, you may need emergency funds. A short-term loan from Satsuma might help you manage the cost of repair as with weekly repayments, the cost of the situation might be that bit easier to handle.

What might cause a boiler breakdown

A boiler breakdown could happen at any time, but it’s more likely to happen in winter than summer. This is firstly because boilers work overtime in the colder months, and secondly because pipes can freeze in the depths of winter.

Age is also a contributing factor. Corrosion and rust can degrade internal components, causing leaks and mechanical failure.

The risk of a boiler breakdown shouldn’t be the only reason for considering a new appliance, though. Many modern combi-boilers boast energy efficiency ratings of 100%, so replacing your old boiler with an A-rated appliance could see your utility bill fall.

The costs associated with a boiler breakdown:

The cost of having your boiler repaired can vary depending on your location and the time it takes to carry out the repairs. Most companies charge a fixed price which will include parts and labour; you should be offered a 12-month guarantee, then no hidden charges following the initial agreed amount.

If the work takes no more than 30 minutes, expect to pay around the £100 mark, but if the work needs more than two hours, charges can start at £400 with a reputable repair company.

How to help prevent a boiler breakdown:

Regular boiler maintenance is a must. Not only will a healthy boiler be more efficient and save you money on your energy bills, it could also save your life, as a faulty boiler can be fatal. Follow these tips on boiler maintenance:

  • An annual service is advisable, when the engineer will check the parts and clean the components – best booked in autumn, to ensure your boiler can take the strain of the winter months.
  • Every couple of weeks, even during the summer months, turn on the heating just for ten minutes to keep the boiler ticking over – they can seize up if not used regularly.
  • If your radiators are cold at the bottom and warm at the top, air is trapped in the system. You can release the air by ‘bleeding’ the radiators. Switch off the heating and turn your key in to the bleed valve. Turn the key anticlockwise until you hear the ‘hiss’ of the air escaping. Have a jug and a cloth to hand in case the water drips. All done! Just don’t forget to lock the valve once you’re done.
  • Make sure the flame in your boiler is always blue. Call a plumber if it appears yellow or smoky.
  • Keep your boiler clear from clutter – boilers need ventilation and easy access.
  • Insulate your pipes to prevent the boiler from freezing. When the temperature drops below zero, the boiler can cut out as a safety precaution.
  • A faulty boiler can produce carbon monoxide: ‘the silent killer’, it is a gas you can’t see, smell or taste. Every home should have a carbon monoxide detector with an alarm. Put it near to the boiler and check monthly that it is fully functioning.


Satsuma Loans can provide help with emergency expenses:

Between December and February is when boiler repair work is most frequently carried out. If you need help financing this unwanted expense, contact Satsuma Loans who may be able to help.

Satsuma Loans offers short-term loans to let people spread out unexpected expenses by repaying in weekly segments. And you can choose to repay over a time period that’s best for you, with varying repayment terms of up to a maximum of 52 weeks.

We won’t charge you any fees, ever. You just give back the interest and the total amount you agree to when you take out the loan.







Representative example: £400 loan repayable over 26 weeks. 26 weekly payments of £29.46.  Rate of interest 183% p.a. fixed. Representative 1,575% APR. Total amount payable is £765.96.