Ctgwindows.co.uk Reviews

Based on looking at the website, CTG Windows ctgwindows.co.uk appears to be a legitimate UK-based company specializing in the supply and installation of double-glazed windows, doors, conservatories, and other home improvement solutions across Hayle, Cornwall, and surrounding areas.

They emphasize energy efficiency, security, and design, offering a range of products from uPVC and aluminum windows to composite doors and conservatories.

While the site provides details on their product range, installation services, and customer testimonials, it’s crucial to note that they heavily promote and offer various “Finance Options Available” and “Credit is subject to status and affordability” which involve interest-based loans and credit, known as Riba.

From an Islamic perspective, engaging in Riba is strictly forbidden and brings about severe warnings.

Therefore, while their core home improvement services might seem beneficial, the financial mechanisms they offer are problematic.

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It’s always best to seek out alternatives that align with ethical financial principles, such as saving up to pay in full, seeking halal financing options if available, or pursuing interest-free payment plans, ensuring all transactions are free from Riba.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

CTG Windows: An Overview of Services and Offerings

CTG Windows positions itself as a local expert in double glazing and home improvements within Cornwall and the surrounding regions.

Their services extend beyond mere product supply, encompassing a full installation process with a focus on quality, energy efficiency, and customer satisfaction.

The company aims to provide durable and aesthetically pleasing solutions for residential properties, enhancing both comfort and property value.

CTG Windows Product Range

CTG Windows offers a comprehensive selection of products designed to meet various home improvement needs.

• Windows:
  • Casement Windows
  • Flush Casement Windows
  • Bow and Bay Windows
  • Tilt and Turn Windows
  • Aluminium Windows
  • French Windows
  • Heritage Windows
  • Sash Windows
  • Triple Glazing
  • uPVC Windows
  • Origin Windows
• Doors:
  • Bifold Doors
  • Composite Doors
  • Patio Doors
  • Front Doors
  • French Doors
  • Stable Doors
  • uPVC Doors
  • Origin Doors
• Conservatories and Extensions:
  • Victorian Conservatories
  • Lean-to Conservatories
  • Georgian Conservatories
  • Edwardian Conservatories
  • Gable Conservatories
  • Bespoke Conservatories
  • Orangeries
  • hup! Extensions
• Other Products:
  • Replacement Conservatory Roofs Tiled, Solid, Glass, Lantern Roof
  • Porches
  • Roof Trims & Fascias
  • Decorative Glazing

Architect-Designed Living Spaces

The website highlights “Architect Designed Living Spaces” which appear to be custom-built extensions or structural modifications to create new living areas. These include: Innov8print3d.com Reviews

• One Wall, Two Wall, Three Wall, Low Wall configurations
• Slim Pillars
• Glass To Ground Range
• Apex and Unique Shapes

Service Areas

CTG Windows primarily serves Hayle, Cornwall, St Ives, Falmouth, and Penzance, indicating a localized service model focusing on a specific geographic region within the UK.

CTG Windows Features and Value Proposition

CTG Windows emphasizes several key features that form their value proposition to potential customers.

These features are designed to instill confidence and highlight the benefits of choosing their services for home improvement projects.

Energy Efficiency & Thermal Performance

One of the core selling points of CTG Windows is their commitment to energy efficiency.

• Reduced Heating Bills: The company states that their double-glazed uPVC and aluminum windows are designed to significantly reduce heat loss, potentially leading to lower heating bills. This is a crucial factor for homeowners looking to combat rising energy prices.
• Advanced Glazing Technology: While specific U-values or energy ratings are not explicitly detailed on the homepage, the mention of “double glazing” and “triple glazing” indicates an adherence to modern insulation standards. High-performance glazing can reduce heat transfer by up to 70-80% compared to single glazing.
• Weatherproofing: Their doors are highlighted as “fully weatherproof,” ensuring that homes are protected from external elements, which contributes to maintaining indoor temperatures and preventing drafts.

Security and Durability

Security is a paramount concern for homeowners, and CTG Windows addresses this with robust product design. Yadix.com Reviews

• Secure Doors: The website states that their doors offer “excellent performance” and are “secure” against intruders, implying strong locking mechanisms and durable materials.
• 10-Year Guarantee: A “Ten-Year Guarantee” is provided as standard on their home improvement installations, offering peace of mind regarding the longevity and durability of their products. This warranty suggests confidence in the quality of their materials and installation.
• British-Made Products: The company prides itself on using “British-made products,” which often correlates with higher quality control and adherence to national standards for durability and performance.

Design and Customization

CTG Windows offers extensive design options to ensure their products complement various architectural styles.

• Variety of Styles: They provide various window styles suitable for “both modern and period homes,” allowing customers to choose designs that match their property’s aesthetic.
• Customization Options: Each window type comes with “various customisation options” to best suit personal style, although specific details on these options e.g., colors, finishes, hardware are not extensively elaborated on the homepage.
• Digital Designer Tool: The website mentions an “online tool” for customers to “visualise your dream before committing to the project,” allowing them to design and preview what their new windows or doors could look like.

Customer Service and Installation Process

CTG Windows emphasizes a customer-centric approach throughout the entire process.

• Local Expert Advice: Being a local firm in Hayle and Cornwall, they highlight “exceptional knowledge of your local area,” suggesting tailored advice and understanding of regional building requirements.
• Full After Care: Unlike other firms, they offer “exceptional customer service,” including “installation aftercare,” indicating support even after the project is completed.
• Multi-Channel Engagement: Customers can interact with CTG Windows through various channels:
  • Online: Request a quote, use the digital designer, or schedule a free one-to-one session with a design expert.
  • In-Store: Visit their Hayle showroom to see products in person and discuss plans with consultants.
  • At Home: Book a home visit for a design expert to discuss the project, advise, and take measurements for an on-the-spot quote.
• Structured Process: They outline a clear four-step process from “Find Your Style” to “Bespoke Solution,” guiding customers through design, measurement, and final installation.

CTG Windows Cons Financial Aspects

While CTG Windows provides various home improvement solutions, a significant concern from an Islamic perspective revolves around their financial offerings.

The website explicitly states “Finance Options Available” and details affiliations with financial entities that operate on interest-based models Riba.

Interest-Based Financing Riba

The website clearly highlights “Finance Options Available” across various product listings and throughout the site. Nokobike.com Reviews

Upon closer inspection, the footer reveals critical information:

• “Credit is subject to status and affordability. Terms and conditions apply.”
• “Authorised and regulated by the Financial Conduct Authority.”
• “Network Britannia Windows Limited FCA Register no. 738269 trading as CTG Windows is an appointed representative of Ffenestri Limited FCA Register no. 716352 Kimberley Road, Clevedon, Somerset, BS21 6QJ is a credit broker, not the lender. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.”

This chain of authorization and partnership with “Novuna Personal Finance” a division of Mitsubishi HC Capital UK PLC indicates that the finance options provided are conventional loans or credit, which are almost universally interest-bearing.

• Riba is Forbidden: In Islam, any form of interest, whether charged or received, is strictly forbidden Haram. The Quran and Sunnah contain clear prohibitions against Riba, describing it as a major sin. Engaging in interest-based transactions leads to economic injustice, fosters greed, and creates disparity, contradicting the principles of fair and ethical dealings.
• Long-Term Detriment: While such financing may offer immediate access to funds for home improvements, it often leads to long-term financial burden and spiritual unease. The cumulative cost of interest can significantly inflate the total price of the goods, trapping individuals in cycles of debt.

Ethical Alternatives for Home Improvements

For those seeking to make home improvements while adhering to Islamic financial principles, several alternatives can be considered:

• Saving and Cash Payment: The most straightforward and recommended approach is to save the necessary funds and pay for the improvements in cash. This avoids any interest and ensures financial independence.
• Halal Loans/Financing: Explore financial institutions that offer Sharia-compliant financing. These often involve Murabaha cost-plus financing, Ijarah leasing, or Musharakah partnership contracts, where the transaction is asset-backed and free from interest. For example, an Islamic bank might purchase the windows/doors and then sell them to the customer at a pre-agreed profit margin, allowing installments without interest.
• Personal Interest-Free Loans Qard Hasan: If possible, seek a “Qard Hasan” beautiful loan from family or friends. This is an interest-free loan given as an act of charity, to be repaid without any additional charges.
• Staged Payments/Vendor Financing Interest-Free: If a company offers genuine interest-free installment plans directly without involving a third-party interest-based lender, this could be a permissible option, provided there are no hidden fees or disguised interest. However, careful scrutiny is needed to ensure it is truly interest-free.
• Prioritizing Needs: Sometimes, delaying non-essential improvements or opting for more affordable, simpler solutions that can be paid for upfront can be a better choice than entering into interest-based agreements.

It is crucial for individuals to prioritize their spiritual well-being and adhere to Islamic financial guidelines, even if it means sacrificing immediate convenience.

The blessings and peace of mind derived from lawful earnings and transactions far outweigh any temporary gains from forbidden means. Surfaceco.uk Reviews

CTG Windows Alternatives

When considering home improvement projects, especially those involving windows, doors, and conservatories, it’s wise to explore alternatives to ensure you find a solution that best fits your needs, budget, and ethical considerations.

Given CTG Windows’ reliance on interest-based financing, focusing on alternatives that promote ethical financial practices is paramount.

Local & Regional Competitors in Cornwall

Many reputable companies operate in the same geographic area as CTG Windows, offering similar products and services.

• Double Glazing Cornwall: Numerous independent double glazing companies serve the Cornwall area. Many of these firms are smaller, family-run businesses that may offer more flexible payment terms or be open to direct cash payments.
• National Chains with Local Presence: Larger national window and door companies often have local branches or approved installers in Cornwall. While they might also offer conventional finance, they might also have options for full upfront payment or seasonal discounts.
• Independent Builders/Contractors: For conservatories or extensions, independent builders and contractors in Cornwall often specialize in such projects. They can source materials and provide installation, and their payment terms might be more negotiable, allowing for staged payments based on project milestones, which can be easier to manage with saved funds.

Specialized Product Providers

Instead of a full-service installer, you might consider buying components from specialists and arranging installation separately.

• Online Window & Door Suppliers: Many online retailers specialize in manufacturing and supplying windows and doors directly to the public. Companies like Everest, Anglian Home Improvements, or various smaller online shops can provide a wide range of products that you can then arrange for a local, trusted builder or installer to fit. This often requires more coordination but can sometimes offer cost savings.
• DIY Stores/Building Material Suppliers: For those with construction experience or a trusted contractor, purchasing windows and doors from major DIY stores e.g., B&Q, Wickes in the UK or building material suppliers can be an option. This route typically involves upfront payment for materials.

Ethical Financing-Focused Options

The most crucial aspect when choosing an alternative is to ensure the financing aligns with Islamic principles, avoiding Riba interest. Dubaievisaonline.com Reviews

• Saving and Self-Funding: The best alternative is always to save the money required for the project and pay in full. This eliminates any need for loans and ensures financial independence.
• Halal Financing Institutions: If a large sum is needed and self-funding isn’t immediately possible, research Islamic banks or financial institutions that offer Sharia-compliant products like Murabaha or Ijarah. These institutions structure transactions in a way that avoids interest, typically by purchasing the asset e.g., windows, doors and then selling or leasing it to the customer at a transparent, predetermined profit margin.
• Community Lending/Interest-Free Loans: Explore the possibility of obtaining a Qard Hasan interest-free loan from family, friends, or community funds if available. This is a benevolent loan repaid without any additional charges.
• Phased Projects: Break down larger projects into smaller, manageable phases that can be paid for as funds become available. For example, replace windows first, then doors, and then consider a conservatory, allowing you to save for each stage.

When evaluating alternatives, always ask specific questions about financing terms, read all contracts carefully, and seek advice from knowledgeable individuals or Islamic scholars to ensure compliance with Sharia law.

Prioritizing ethical financial practices is key to maintaining peace of mind and blessings in your endeavors.

CTG Windows Reviews and Customer Feedback Analysis

Based on the testimonials provided directly on the ctgwindows.co.uk website, the company appears to garner positive feedback from its customers, particularly regarding product quality, installation professionalism, and customer service.

While these reviews are curated by the company itself, they offer insights into common themes and perceived strengths.

Key Themes from Customer Testimonials

The reviews highlighted on the website consistently praise several aspects of CTG Windows’ service: Mgocspares.co.uk Reviews

• Quality of Products: Customers frequently mention satisfaction with the “new windows and doors that look amazing” and “excellent quality” of the products. For instance, Mark Withecombe notes the “quality of the doors was also excellent.”
• Professional and Friendly Installers: The installation teams receive high marks for their professionalism, politeness, and efficiency. Jfry Jeremia states, “They were very professional, punctual, and polite.” Albert Steptoe specifically praises Andy and Tony for being “brilliant pair of guys,” “very professional,” and having “great attention to detail.”
• Efficient and Clean Installation: Customers appreciate that the work is completed “on time and with minimal disruption,” with installers leaving “no mess behind,” as noted by David.
• Improved Home Comfort: The functional benefits, such as reduced noise and improved warmth, are frequently cited. David is “very satisfied” that his new windows “have significantly reduced the wind noise and made my house much warmer.”
• Competitive Pricing and Value: Paul Gualli mentioned, “They offered me a good price,” and Mark Withecombe found the “price extremely competitive.” This suggests customers feel they received good value for their investment.
• Excellent Communication and Aftercare: Mark Withecombe was “impressed from start to finish. Communication was excellent throughout.” The company also states they offer “Full After Care” and are “With you Every Step.”

Quantitative Data Website-Provided

The website mentions:

• “We’ve served thousands of happy customers over the years, which is something which we’re immensely proud of.” While a specific number isn’t given, this implies a large customer base and a track record of satisfaction.
• The inclusion of specific names Jfry Jeremia, Paul Gualli, David, Albert Steptoe, Mark Withecombe and their comments adds a layer of authenticity, even though these are direct quotes from the company’s platform.

Considerations for Review Analysis

While the testimonials are positive, it’s important to consider them within the context of company-curated reviews.

• Selection Bias: Companies typically showcase their most favorable reviews. To get a comprehensive view, one would ideally seek out independent review platforms e.g., Trustpilot, Google Reviews, Checkatrade in the UK where a wider range of customer experiences, including any potential criticisms, might be found.
• Lack of Negative Feedback: The absence of any critical or constructive feedback might suggest a filtered presentation. Real-world operations often encounter minor issues, and how a company addresses these can be as telling as its successes.

Overall, based on the provided website content, CTG Windows appears to have a strong focus on customer satisfaction, delivering on promises of quality products and professional installation.

However, for a complete and unbiased perspective, it’s always recommended to consult third-party review sites.

How to Engage with CTG Windows Excluding Finance

Engaging with CTG Windows for your home improvement needs can be done through several convenient channels. Sxpro.co.uk Reviews

While it’s crucial to avoid their interest-based finance options, understanding their consultation and quotation process is helpful for those who plan to pay upfront or through halal means.

Requesting a Quote

CTG Windows offers multiple ways to get an estimate for your project:

• Online Quote: This is the fastest way to get an initial estimate. The website prompts you to “Start your double-glazing quote online today!” or “Get a free online quote.”
  • Process: You typically input the product you’re interested in, your preferred style, and dimensions. The system then provides a tailored estimate. This allows for quick initial budgeting without immediate commitment.
• Contact Form/Email: You can use the “Quick Price” or “Contact Us” forms on the website, or email them directly at [email protected]. This is suitable for general inquiries or if your project is complex and requires detailed discussion.
• WhatsApp Chat: For immediate questions or quick exchanges, they offer a “Chat on WhatsApp” option, which can be convenient for busy individuals.

Showroom Visit

For those who prefer a tactile experience and in-person consultation:

• Location: CTG Windows has a showroom in Hayle, Cornwall. The website encourages visitors to “Stop by our Hayle showroom to see our products in person.”
• Benefits: A showroom visit allows you to:
  • See the actual products windows, doors, materials and assess their quality.
  • Discuss your “home improvement plans in detail” with “friendly consultants.”
  • Gain “more ideas about modernising your space and making it work for you.”
• Booking: You can “Book Showroom Appointment” via the website or email to ensure a consultant is available for a dedicated session.

Home Visit & Design Consultation

For personalized advice and accurate measurements:

• Booking: You can “Book a home visit” directly through the website.
• Process: A “friendly design expert” will visit your home to:
  • Discuss your project in detail.
  • Advise on suitable products and styles.
  • Take precise measurements.
  • Provide an “on-the-spot quote” that is “fully comprehensive.” This service is free and carries no obligation.

Understanding the 4-Step Process

CTG Windows outlines a clear process for engaging with customers: Costumesource.co.uk Reviews

1. Find Your Style: Talk to their team to understand product options and what double glazing can do for your home.
2. Inspire Us: Use their online digital designer tool to visualize your dream project, seeing how new windows or doors could look.
3. Measure Up: Schedule a free home visit for precise measurements and a comprehensive quote.
4. Bespoke Solution: The professional installation team carries out the work, delivering a tailored final result.

By utilizing these non-financial engagement methods, you can gather all necessary information to make an informed decision about your home improvement project, ensuring that any subsequent payment aligns with ethical financial principles.

The Importance of Ethical Financial Practices in Home Improvements

In the pursuit of home improvements, it’s easy to get caught up in the excitement of transformation and overlook the underlying financial mechanisms.

However, from an Islamic perspective, the way we finance our purchases is as crucial as the purchases themselves.

Engaging in ethical financial practices, particularly avoiding Riba interest, is a fundamental principle that ensures blessings and peace of mind.

Understanding Riba and Its Prohibition

Riba, often translated as usury or interest, refers to any excess or increase taken over and above the principal amount of a loan or debt. Theappsolutions.com Reviews

Its prohibition is clearly established in the Quran and the Sunnah of Prophet Muhammad peace be upon him.

• Quranic Warnings: Allah states in the Quran 2:275, “Allah has permitted trade and forbidden interest.” Further, 2:276 warns, “Allah destroys interest and gives increase for charities.” The prohibition is severe, with strong warnings against those who persist in interest-based dealings.
• Prophetic Sayings: The Prophet Muhammad PBUH cursed the one who consumes Riba, the one who pays it, the one who records it, and the two witnesses to it, stating that they are all equal in sin. Muslim
• Economic Impact: Riba perpetuates economic inequality, concentrates wealth in the hands of a few, and burdens individuals and societies with unsustainable debt. It encourages speculation rather than genuine productive investment.

Why Avoid Interest-Based Loans for Home Improvements?

Opting for interest-based loans for home improvements, even for what seems like a necessary upgrade, carries significant spiritual and financial risks.

• Spiritual Impermissibility: The direct involvement in an interest-based transaction, whether as borrower or lender, is a clear violation of Islamic teachings. This can lead to a lack of blessings barakah in one’s life and property.
• Financial Burden: While seemingly convenient, interest significantly increases the total cost of your home improvement. A £10,000 renovation financed over five years at a typical interest rate could end up costing you an additional £2,000-£3,000 or more in interest payments. This money could have been used for productive investments, charity, or further home enhancements.
• Debt Cycle: Relying on interest-based credit can lead to a debt cycle, making it harder to manage finances, especially if unforeseen circumstances arise.

Promoting Halal Alternatives

The emphasis should always be on seeking permissible alternatives that align with Islamic ethical finance.

• Prioritize Needs vs. Wants: Evaluate if the home improvement is truly a necessity or a desire. If it’s a want, delaying until funds are available is often the best course.
• Budgeting and Saving: Implement a rigorous savings plan specifically for home improvements. Break down the project into smaller, manageable phases if necessary, and save for each stage. This fosters financial discipline and independence.
• Halal Financing Products: For larger investments where saving upfront is challenging, research and utilize Sharia-compliant financial products. These are structured to avoid interest and often involve ethical principles of risk-sharing and asset-backed transactions. Examples include:
  • Murabaha Cost-Plus Sale: A bank purchases the item e.g., windows and then sells it to you at a pre-agreed higher price, payable in installments without interest.
  • Ijarah Leasing: The bank purchases the asset and leases it to you for a fixed period, after which ownership may transfer.
  • Musharakah Partnership: The bank and client co-own an asset, sharing profits and losses.
• Community Support: Seek Qard Hasan interest-free loans from family, friends, or community welfare organizations, if available. This is a benevolent act of lending without any expectation of return beyond the principal.
• Transparency and Due Diligence: Always scrutinize any financial agreement, regardless of its label. If in doubt, consult with a knowledgeable Islamic scholar or financial advisor specializing in Islamic finance to ensure compliance.

By consciously choosing ethical financial pathways, Muslims can ensure their homes are not only physically beautiful but also built on foundations of divine blessing and responsible stewardship.

This commitment to halal dealings fosters peace of mind, promotes financial stability, and contributes to a just society. Asiaregistry.com Reviews

Customer Support and Aftercare at CTG Windows

CTG Windows places a significant emphasis on customer support and aftercare, portraying it as a core component of their service delivery.

This commitment extends beyond the initial sale and installation, aiming to provide customers with peace of mind and ongoing assistance.

Pre-Sale and Sales Support

From the initial inquiry, CTG Windows offers multiple touchpoints for support and information:

• Online Query: The website provides a “Contact Us” form and an email address [email protected] for general inquiries, price requests, and booking appointments.
• Phone Support: A direct phone number 01736 754825 is prominently displayed, allowing for immediate communication with their team.
• WhatsApp Chat: The “Chat on WhatsApp” option offers a convenient and quick way for customers to get answers to their questions, particularly useful for initial consultations or clarifying details.
• Showroom Consultants: In-store, customers can engage with “friendly consultants” who can discuss home improvement plans in detail, offer ideas, and help visualize modernizing spaces.
• Home Design Experts: For personalized service, customers can book a free home visit. The design expert not only discusses the project but also advises and takes measurements, providing an on-the-spot quote.

During Installation Support

The company highlights its “professional and experienced installation team” as part of the “Bespoke Solution” step.

While specific in-progress communication protocols aren’t detailed, the positive customer testimonials suggest effective communication during the installation phase. Store.samsung.com Reviews

• Professionalism: Customers praise the installers for being “professional, punctual, and polite,” implying a smooth and respectful installation process.
• Efficiency and Cleanliness: Reviews mention the team completing jobs “on time and with minimal disruption” and leaving “no mess behind,” indicating a focus on efficient and tidy work.

Post-Installation Aftercare

This is where CTG Windows aims to differentiate itself by offering continued support after the project is complete.

• 10-Year Guarantee: All home improvement installations come with a “ten-year guarantee as standard.” This is a significant commitment that covers the robustness and durability of their products. This warranty provides long-term assurance to customers against manufacturing defects or installation issues.
• “Full After Care”: The website explicitly states, “Unlike other home improvement firms, we offer exceptional customer service. This includes installation aftercare. We’re with you every step of the way!” While the specifics of “aftercare” are not detailed, it typically encompasses:
  • Addressing any post-installation snags or adjustments.
  • Providing advice on product maintenance.
  • Handling warranty claims efficiently.
• Customer Satisfaction Focus: The “Happy Customers” section is a testament to their perceived success in customer service, with multiple individuals praising the overall experience, from communication to the final result.

By providing multi-channel support and a comprehensive guarantee, CTG Windows aims to build trust and ensure customer satisfaction throughout the entire lifecycle of their products, from initial interest to post-installation support.

This robust customer support framework contributes significantly to their positive reputation.

The Importance of Research Before Home Improvement Projects

Embarking on a home improvement project, whether it’s replacing windows, installing new doors, or adding a conservatory, is a significant investment of time, money, and effort.

Therefore, thorough research before making any commitments is not just recommended, but essential. Pegatin.com Reviews

This due diligence ensures you make informed decisions, avoid potential pitfalls, and achieve the desired outcome.

Understanding Your Needs and Goals

Before even looking at contractors, it’s vital to define your own project clearly.

• Identify the Problem: Are your old windows drafty? Is your door insecure? Do you need more living space?
• Define Your Desires: What aesthetic do you want? What features are important e.g., energy efficiency, noise reduction, security?
• Set a Realistic Budget: Understand how much you can comfortably afford, considering both product and installation costs.
• Timeline: When do you ideally want the project completed? Are there any seasonal considerations e.g., installing windows in winter?

Researching Products and Materials

The market for windows, doors, and conservatories is vast, with various materials, styles, and performance levels.

• Material Types: Understand the pros and cons of uPVC, aluminum, timber, and composite materials for windows and doors e.g., uPVC for cost-effectiveness and low maintenance, aluminum for slim frames and modern aesthetics, timber for traditional appeal.
• Glazing Options: Research different types of glazing double, triple, low-emissivity, acoustic and their impact on energy efficiency, noise reduction, and security. Look for U-values and energy ratings e.g., from the BFRC in the UK.
• Security Features: Investigate locking mechanisms, frame strength, and glass types that enhance security.
• Style and Customization: Explore how different styles will complement your home’s architecture and if customization options colors, hardware, decorative glazing are available.

Vetting Contractors and Companies

This is perhaps the most critical part of the research process, especially when selecting a company like CTG Windows.

• Check Company Credentials:
  • Registration: Verify their company registration e.g., Companies House in the UK. CTG Windows is registered as Network Britannia Windows Limited Register no. 07750446.
  • Accreditations: Look for industry accreditations. For windows and doors in the UK, this might include FENSA or CERTASS registration, which ensures installers comply with building regulations. While CTG Windows mentions being “British-made,” external accreditations lend further credibility.
  • Financial Conduct Authority FCA Registration: For companies offering finance, check their FCA registration. CTG Windows mentions their FCA Register no. 738269, and their principal firm’s no. 716352. This ensures they are regulated for financial services, but remember, this doesn’t validate the type of finance interest-based.
• Read Independent Reviews: While company websites offer testimonials, always seek out independent review platforms.
  • Google Reviews: Check for their Google My Business profile for customer ratings and comments.
  • Trustpilot/Feefo: These platforms host aggregated customer reviews, offering a balanced perspective.
  • Industry-Specific Review Sites: Look for trade-specific review platforms e.g., Checkatrade, MyBuilder in the UK where customers can rate services for specific trades.
• Request Multiple Quotes: Obtain detailed quotes from at least three different companies. This allows for price comparison and helps you understand typical costs for your project.
• Check Guarantees and Warranties: Understand what guarantees are offered, their duration e.g., CTG Windows’ 10-year guarantee, and what they cover. Ensure they are insurance-backed or that the company has a strong track record.
• Verify Insurance: Confirm the company has public liability insurance to cover any damage or accidents during the project.
• Ask for References: Request to speak with previous clients or view completed projects, if possible.
• Understand the Contract: Read the contract thoroughly before signing. Pay close attention to payment schedules, cancellation policies, and what is included/excluded from the price.

By conducting comprehensive research, you empower yourself to make informed decisions, negotiate effectively, and ultimately ensure a successful and satisfying home improvement experience. Ac-creatives.com Reviews

This systematic approach minimizes risks and maximizes the likelihood of achieving your desired outcome within your ethical and financial boundaries.

CTG Windows Pricing and Financial Considerations

CTG Windows, like many home improvement companies, provides customized pricing based on the specific products, dimensions, and installation requirements of each project.

While they offer avenues for obtaining quotes, a significant aspect of their financial model involves providing conventional financing options.

How to Get a Price Estimate

CTG Windows offers several ways to get an idea of project costs:

• Online Quote Tool: Their website features an online quote generator. You can “Simply enter what product you’re interested in, your preferred product style and dimensions, and we’ll provide you with a tailored estimate!” This provides a quick, no-obligation price indication.
• Home Visit & On-the-Spot Quote: For a precise and comprehensive quote, customers can book a free home visit. A design expert will take measurements and provide a detailed quotation on the spot. This quote will factor in specific site conditions and any bespoke requirements.
• Showroom Consultation: Visiting their Hayle showroom allows you to discuss your needs with consultants, who can then help generate an estimate.

“Low-Cost Finance Options Available” Riba Warning

The website prominently advertises “various low-cost finance options available” and explicitly states “Finance Available” next to virtually every product listed e.g., “Casement Windows Finance Available,” “Bifold Doors Finance Available”. This is where careful consideration, from an Islamic perspective, becomes critical. Tuktukmart.co.uk Reviews

• Conventional Credit and Loans: As detailed in the “CTG Windows Cons” section, CTG Windows acts as a credit broker for Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. This indicates that the “finance options” are conventional, interest-based loans or credit agreements.
• The Nature of Riba: In Islamic finance, any predetermined increase on a loan or debt, regardless of the rate, is considered Riba and is strictly forbidden. The terms “low-cost finance” or “competitive rates” do not alter the fundamental impermissibility of interest from an Islamic viewpoint.
• Consequences: Engaging in such transactions, even for home improvements, is considered a grave sin in Islam. It can lead to spiritual unease and financial instability, as the added interest increases the overall cost and can lead to burdensome debt.

Ethical Payment Alternatives

For Muslims, the only permissible ways to pay for home improvements are those that avoid Riba.

• Cash Payment / Savings: The most straightforward and recommended method is to save the full amount required and pay for the project outright. This eliminates any debt and interest.
• Halal Financing: If a large sum is needed and direct cash payment is not feasible, explore Sharia-compliant financing options from Islamic banks or financial institutions. These typically involve structures like Murabaha cost-plus sale or Ijarah leasing that are free from interest.
• Phased Projects: Break down larger projects into smaller, financially manageable phases. For example, replace windows first, then doors, and then consider a conservatory, saving for each stage incrementally.
• Interest-Free Installments if truly available: If a company genuinely offers installment plans directly to the customer with absolutely no hidden interest or fees built into the price, this might be permissible. However, such offers are rare in the conventional market and require thorough scrutiny to ensure no Riba is involved.

Before committing to any home improvement project with CTG Windows or any other provider, it is imperative to clarify all financial terms and ensure that the payment method aligns with Islamic principles.

Opting for ethical alternatives ensures both material improvement and spiritual peace.

Frequently Asked Questions

What services does ctgwindows.co.uk offer?

Ctgwindows.co.uk offers the supply and installation of a wide range of double-glazed windows uPVC, aluminum, casement, sash, etc., doors bifold, composite, patio, French, etc., conservatories Victorian, Georgian, bespoke, etc., extensions, and other related products like roof trims and decorative glazing.

What areas does CTG Windows cover?

CTG Windows primarily covers Hayle, Cornwall, St Ives, Falmouth, Penzance, and the surrounding areas within Cornwall, UK. Wizgear.com Reviews

Are CTG Windows products energy efficient?

Yes, CTG Windows emphasizes that their uPVC and aluminum windows are designed with energy efficiency as a top priority to combat rising fuel prices and help reduce heating bills.

Their doors are also described as thermally efficient.

What kind of guarantee does CTG Windows provide?

CTG Windows offers a standard 10-year guarantee on their home improvement installations, assuring customers of the robustness and durability of their products.

How can I get a quote from CTG Windows?

You can get a quote from CTG Windows by using their online quote tool on the website, booking a free home visit for an on-the-spot comprehensive quote, or by visiting their showroom in Hayle, Cornwall.

Does CTG Windows offer finance options?

Yes, CTG Windows advertises “Finance Options Available” for their products.

They act as a credit broker for Novuna Personal Finance, a conventional lender.

Are the finance options offered by CTG Windows permissible in Islam?

No, the finance options offered by CTG Windows, being conventional credit provided by a third-party lender like Novuna Personal Finance, typically involve interest Riba, which is strictly forbidden in Islam.

What are ethical alternatives to financing home improvements?

Ethical alternatives include saving money to pay in full, seeking Sharia-compliant financing like Murabaha or Ijarah from Islamic banks, obtaining interest-free loans Qard Hasan from family/friends, or breaking down projects into smaller, manageable phases that can be paid for incrementally.

Can I see CTG Windows products in person?

Yes, you can visit the CTG Windows showroom located in Hayle, Cornwall, to see their products and discuss your home improvement plans with their consultants.

Do CTG Windows installers leave a mess?

Based on customer testimonials, CTG Windows installers are praised for being professional, efficient, and leaving no mess behind after completing the installation.

What types of windows does CTG Windows install?

CTG Windows installs various window types, including Casement, Flush Casement, Bow and Bay, Tilt and Turn, Aluminium, French, Heritage, Sash, Triple Glazing, and uPVC windows.

What types of doors does CTG Windows install?

CTG Windows installs a diverse range of doors such as Bifold, Composite, Patio, Front, French, Stable, and uPVC doors.

Do they offer conservatories and extensions?

Yes, CTG Windows offers a range of conservatories including Victorian, Lean-to, Georgian, Edwardian, Gable, and bespoke options, as well as Orangeries and hup! Extensions.

How do I contact CTG Windows?

You can contact CTG Windows via phone at 01736 754825, by emailing [email protected], through their website’s contact forms, or by chatting on WhatsApp.

Are CTG Windows products British-made?

Yes, CTG Windows states that they use “British-made products” in their installations.

What kind of aftercare does CTG Windows provide?

CTG Windows claims to offer “exceptional customer service,” including “installation aftercare,” indicating support and assistance even after the project is completed, backed by their 10-year guarantee.

Can I design my new windows or doors online?

Yes, CTG Windows provides an “online tool” or “digital designer” that allows customers to visualize and design their new windows or doors before committing to the project.

Is a home visit for a quote free?

Yes, CTG Windows offers a “free home visit” where their design expert will provide advice, take measurements, and offer a fully comprehensive, no-obligation quote.

How long has CTG Windows been operating?

The website mentions that they have been “transforming homes throughout Hayle and Cornwall for years,” and that they are “proud to have built up a reputation for being experts in the industry.” Their company registration Network Britannia Windows Limited dates back to 2011.

Does CTG Windows handle conservatory roof replacements?

Yes, CTG Windows offers replacement conservatory roofs, including Tiled, Solid, Glass, and Lantern Roof options.