A whole-house double glazing project in Perth runs $20,000 to $50,000 supply and install for typical configurations, per the Penot Double Glazing cost guide for Perth. That is a meaningful number for most household budgets. The decision is usually not whether to upgrade. The decision is how to pay for it.
This guide covers the three realistic finance paths available to Perth homeowners in 2026: interest-free BNPL, unsecured personal loans, and home equity. The terms, the eligibility, the trade-offs, and how to compare the total cost of finance against the energy and comfort benefits of the upgrade.
What Finance Options Are Available for Double Glazing in Perth
Three products cover the AU home improvement finance market for projects of this scale.
humm90 (12 months interest-free). humm90 is the current finance partner at Penot Double Glazing. It is a revolving credit card product, the humm90 Platinum Mastercard, that offers 12 months interest-free with no deposit required when used through Penot Double Glazing. The minimum monthly payment is the greater of 3% of the unpaid balance or $30 per month. New applicants pay no fee for the first 12 months; from month 13 onward the standard fee is $9.95 per month ($119.40 per year). Accounts opened before October 2024 pay $99 per year. After the 12-month interest-free promotional period, the revert rate of 28.99% p.a. (current from 6 March 2026) applies to any remaining balance. humm90 credit limits run up to $50,000, subject to individual assessment. Penot Double Glazing’s finance page covers the application process.
Unsecured personal loan from a bank or credit union. Standard AU personal loan rates for renovation purposes ran 7.5 to 20 per cent per annum in 2025-2026, depending on lender, credit profile and loan size. Worked examples in this article assume the middle of the range (around 9 to 12 per cent) for a typical homeowner with good credit. Terms typically 1 to 7 years. The application process is slower than BNPL but the borrowing capacity is higher for larger projects. ASIC’s MoneySmart covers personal loan basics for consumers.
Home equity loan or mortgage redraw. For homeowners with existing equity in their property, drawing on the home loan is often the cheapest option. Standard variable mortgage rates in 2026 sit in the 6 to 7.5 per cent range, well below personal loan rates. The trade-off is that the debt now sits on the mortgage and extends the loan term unless extra repayments are made.
The right choice depends on the project size, the household budget and the existing mortgage position. For projects that fit within an approved humm90 credit limit, with the budget to clear the full balance within the 12-month interest-free period, humm90 is usually the cleanest answer.
How the humm90 Plan Works at Penot Double Glazing
The humm90 product is a revolving credit card account with a 12-month interest-free promotional period when used through Penot Double Glazing. No deposit is required to open the account. Key terms:
- No deposit required: the full project cost can be financed up to the approved account limit (humm90 credit limits run up to $50,000, subject to individual assessment)
- Minimum monthly payment: the greater of 3% of the unpaid balance or $30 per month
- Account fee: new applicants pay no fee for the first 12 months; from month 13 onward, $9.95 per month ($119.40 per year). Accounts opened before October 2024 pay $99 per year
- Revert rate: 28.99% p.a. (current from 6 March 2026) on any balance remaining after the 12-month promotional period
- Income requirement: minimum $25,000 per annum, with standard credit assessment
To clear a $30,000 balance within the 12-month interest-free window, repayments of approximately $2,500 per month would be needed. The product’s minimum monthly payment is 3% of the balance or $30 per month, but paying only the minimum will leave a substantial balance subject to the 28.99% revert rate at the end of the promotional period.
For projects above the approved humm90 limit, the options are a personal loan or a home equity drawdown. Penot Double Glazing’s free quote process covers the spec and the cost; the finance discussion happens once the quote is firm.
Does Buy Now Pay Later Apply to Double Glazing in Perth?
Yes, with the right BNPL product. Standard short-term BNPL providers do not typically cover home improvement projects of this size. Their products are designed for retail purchases under $2,000 with 4 to 8 week repayment cycles.
Home improvement BNPL is a different category. The relevant provider at Penot Double Glazing is humm90: 12-month interest-free, no deposit required, integrated into the quote process. Other home improvement finance providers exist in the broader Australian market but are not currently offered by Penot Double Glazing; for those, a personal loan or home equity option is the practical alternative.
As a Mastercard-network credit card, humm90 pays Penot Double Glazing at the time of purchase. The customer then repays humm90 over the 12-month interest-free period rather than fronting the full cost upfront.
How to Compare the Total Cost of Finance Against Energy Savings
This is the part of the conversation that frames the decision honestly. The energy savings from double glazing in Perth, drawn from national modelling (December 2024, AGWA 7-star data) and adjusted to Perth tariffs, sit in the range of $400 to $750 per year for a typical home. Our hidden cost of single glazed windows guide walks through the underlying numbers.
For a $30,000 project on a 12-month interest-free plan (requiring approximately $2,500 per month to clear within the promotional period), the energy saving of $35 to $63 per month covers 1.4 to 2.5 per cent of the monthly repayment. The energy saving alone does not cover the finance cost during the repayment period.
For a $30,000 project on a 36-month personal loan at a typical rate of 9 to 12 per cent p.a., the monthly repayment is approximately $950 to $1,000, and the total interest cost over the term runs $2,500 to $4,500 depending on the rate. The annual energy saving over those 3 years totals $1,200 to $2,250, partially offsetting the finance cost.
The financial framing is honest: the energy saving meaningfully contributes but does not cover the finance during the repayment period. The full value case for double glazing depends on the combination of energy, comfort, condensation prevention, acoustic improvement and long-term resale benefit. The does double glazing keep Perth homes cooler in summer guide covers the thermal benefit side.
Balance to Clear Within the Interest-Free Window
humm90 12-month interest-free plan, indicative monthly repayments needed to clear the full balance within 12 months (no deposit required):
| Project size | Balance to clear | Required monthly repayment (12 months) |
|---|---|---|
| $10,000 | $10,000 | ~$833 |
| $20,000 | $20,000 | ~$1,667 |
| $30,000 | $30,000 | ~$2,500 |
Note: these figures show what is needed to clear the balance before the 28.99% revert rate applies. The product’s minimum monthly payment is 3% of the balance or $30, whichever is higher. Paying only the minimum will leave a substantial balance at the end of the promotional period.
These are indicative figures only. Actual terms are confirmed at application stage.
Questions to Ask Penot Double Glazing About Finance at the Consultation Stage
- Is humm90 the only finance partner, or are alternative products available?
- What is the maximum balance humm90 will finance on this project?
- How does the finance application sit alongside the quote? Sequential or parallel?
- What happens if the project runs over budget mid-install? Can the finance balance be increased, or is a second instrument required?
- What is the warranty position if a glass unit fails partway through the finance period?
A supplier who handles finance regularly will have clear answers to all of these. The Penot Double Glazing free quote process integrates the humm90 conversation into the spec discussion, so the cost and the finance options are confirmed at the same time.
Common Mistakes Perth Homeowners Make When Financing Double Glazing
- Choosing the longest term by default. Longer terms reduce monthly repayment but increase total interest paid (for non-interest-free products). On a personal loan at 10 per cent p.a., a 60-month term costs roughly $4,000 to $7,000 more in interest than a 24-month term on a $30,000 project.
- Forgetting the supplier payment schedule. The supplier may require staged payments during manufacture and install, even when the customer is on a 12-month plan with the financer. Confirm the schedule before signing.
- Mixing finance products. Splitting a project across multiple BNPL or finance products complicates the warranty position and the supplier relationship. Stick with one product per project where possible.
- Treating finance as the deciding factor. The spec of the windows and doors matters more for long-term value than which finance product covers the bill. A poorly-specified low-cost project on interest-free terms is still poorly specified.
Where Penot Double Glazing Fits
Penot Double Glazing is a full AGWA member based at 92 Beechboro Rd S, Bayswater WA 6053. humm90 is the current finance partner, integrated into the quote process so the spec and the finance options are confirmed together. For projects above the humm90 limit, personal loan and home equity options are discussed at the consultation stage.
For a quote that includes a clear finance plan, book a free in-home assessment. The finance page covers the humm90 application process. Compare options across the wider double glazing Perth range, call 1300 121 603, or visit the Bayswater showroom at 92 Beechboro Rd S.
What’s the Best Way to Finance Double Glazing in Perth?
For most homeowners, the choice is between interest-free buy-now-pay-later (humm90 offers 12 months interest-free through Penot Double Glazing, no deposit required), an unsecured personal loan (7.5 to 20 per cent p.a.), or a home equity loan or redraw. The right answer depends on the project size, ownership horizon, and existing mortgage position.
Can You Use Buy Now Pay Later for Double Glazing in Perth?
Yes. humm90 supports double glazing projects with 12 months interest-free at Penot Double Glazing, with credit limits up to $50,000 subject to assessment and no deposit required. Standard short-term BNPL providers do not typically cover home improvement projects of this size.
How Does Double Glazing Finance Compare to the Energy Savings?
For a $30,000 double glazing project, clearing the humm90 balance within 12 months requires repayments of approximately $2,500 per month. The energy bill saving of $35 to $63 per month (drawn from national modelling adjusted to Perth tariffs) contributes meaningfully but does not cover the full repayment. The comfort, condensation, acoustic and resale benefits make up the difference.
What’s Required for Double Glazing Finance Approval in Perth?
For humm90: minimum income of $25,000 per annum, standard identity verification, recent income or financial position evidence, credit check. The application is online with usually fast approval. For a personal loan or home equity: lender-specific income, expense and credit check requirements. Penot Double Glazing handles the humm90 application as part of the quote process.
What Happens If You Don’t Clear the humm90 Balance in 12 Months?
Any balance remaining after the 12-month interest-free promotional period is charged at the revert rate of 28.99% per annum (current from 6 March 2026). The best approach is to budget repayments to clear the full balance within the promotional period. If that becomes unrealistic, refinancing the balance to a lower-rate personal loan before the rate reverts is the standard alternative.
