Every line below is a real invoice line. Set them to whatever your roofer quoted and the total moves with them. Nothing here is sent anywhere and nothing is stored.
Roof job calculator
Standard full reroof
Total repaid, financed
$17,295
over 60 months at 9.9% APR
Cash price, paid today
$13,598
no finance, nothing borrowed
Financing this job costs an extra $3,696.99That is 27.2% more than the cash price, for a payment advertised at $288.25 a month. The advert quotes the small number; the total is the real cost of borrowing.
= 146.49 m2 of actual roof surface
APR: 9.9%
Term: 60 months
Roof area146.49 m2
Materials and labour$8,497
Tear off$1,611
Complexity (+12%)$1,213
Scaffolding + waste removal$1,270
Contingency (+8%)$1,007
Tax (+0%)$0
Cash price$13,598
A bare price-per-square-metre box would show $8,497. Tear off, complexity, scaffolding, waste, contingency and tax add the rest before this reaches a real cash price. $1,402 more places this job in the next band up.
The finance block at the bottom is the part a banner never shows: the monthly figure and the total it adds up to, side by side, with the cost of borrowing on its own line.