Clearance Sofas
Be quick and discover incredible savings across our stylish and comfortable clearance sofas. Featuring ex-display items, you'll be spoilt for choice with our not-to-be-missed clearance deals. Available in a catalogue of stylish colours and designs, there’s something for everyone. Act fast - once they’re gone, they’re gone.
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SEARCH 1000s OF EX-DISPLAY SOFAS
UP TO 60% OFF
DELIVERY WITHIN 7 DAYS*
*subject to availability
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Bridgend 1
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Cardiff - Capital Retail Park 1
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Chelmsford 2
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Chester 2
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Dunstable Clearance Centre 2
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Durham 1
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Gateshead, Metro Retail Park 1
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Kirkcaldy 1
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London - Staples Corner 1
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Northampton Clearance Centre 3
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North Shields 1
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Stafford 1
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Sunderland 1
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Swindon 1
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Tunbridge Wells 1
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Warrington 1
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Waterlooville 1
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Wigan 1
Colour: Lucky Beige
Clearance price £ 1,200 Save £799.99
£ 33.33 a month for 3 years | 0% APR
La-Z-Boy
Tamla Fabric 3 Seater Power Recliner SofaA Height | 109.2 cm | (43.0 in) |
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B Width | 227 cm | (89.4 in) |
C Depth | 99.1 cm | (39.0 in) |
D Seat Height | 52 cm | (20.5 in) |
E Seat Depth | 52 cm | (20.5 in) |
F Arm Height | 66 cm | (26.0 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H109.2cm, W227cm, D99.1cm
- Floor to seat height: 52cm
- Depth of seat: 52cm
- Width of seating area between arms: 176cm
- Height of arm rest: 66cm
- Weight of product: 106kg
Colour: Lucky Beige
Clearance price £ 1,200 Save £799.99
£ 33.33 a month for 3 years | 0% APR
Book A Free Appointment at North Shields
Elevate your home's comfort and style with the La-Z-Boy Tamla 3 Seater Power Recliner Sofa. This exceptional sofa combines luxury with innovation, making it the perfect addition to your living space. Crafted by La-Z-Boy, a brand renowned for quality and comfort, this sofa boasts three generously proportioned seats, each equipped with power reclining features. Now, relaxation is at your fingertips, as you recline to your preferred position with just the push of a button.
Whether it's movie nights with friends or peaceful evenings with family, this sofa offers the perfect blend of style and convenience. The La-Z-Boy Tamla 3 Seater Power Recliner Sofa is the embodiment of luxury and functionality, ensuring that your living space becomes a haven of relaxation and quality time with loved ones.
Make the Tamla range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Luna Collection Beige/Option 2
Foot/Trim: Oak Effect
Clearance price £ 250 Save £649
Living
Aurora Fabric Standard ChairA Height | 93 cm | (36.6 in) |
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B Width | 108 cm | (42.5 in) |
C Depth | 89 cm | (35.0 in) |
D Seat Height | 52 cm | (20.5 in) |
E Seat Depth | 55 cm | (21.7 in) |
F Arm Height | 7 cm | (2.8 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H93cm, W108cm, D89cm
- Floor to seat height: 52cm
- Depth of seat: 55cm
- Width of seating area between arms: 57cm
- Height of arm rest: 7cm
- Weight of product: 30kg
Colour: Luna Collection Beige/Option 2
Foot/Trim: Oak Effect
Clearance price £ 250 Save £649
Book A Free Appointment at Northampton Clearance Centre
Introducing the Aurora Standard Chair - a stylish and versatile seating option that combines comfort and sophistication in one elegant package. Whether you're looking to add a touch of luxury to your living room, bedroom, or office, this chair is the perfect choice.
Elevate your home or office decor with the Aurora Standard Chair. Its understated elegance, superior craftsmanship, and exceptional comfort make it a must-have addition to any space. Indulge in the luxurious seating experience provided by this remarkable chair and enjoy moments of relaxation in style.
Make Aurora range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Luna Collection Beige/Option 2
Foot/Trim: Mahogany Effect
Clearance price £ 250 Save £649
Living
Aurora Fabric Standard ChairA Height | 93 cm | (36.6 in) |
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B Width | 108 cm | (42.5 in) |
C Depth | 89 cm | (35.0 in) |
D Seat Height | 52 cm | (20.5 in) |
E Seat Depth | 55 cm | (21.7 in) |
F Arm Height | 7 cm | (2.8 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H93cm, W108cm, D89cm
- Floor to seat height: 52cm
- Depth of seat: 55cm
- Width of seating area between arms: 57cm
- Height of arm rest: 7cm
- Weight of product: 30kg
Colour: Luna Collection Beige/Option 2
Foot/Trim: Mahogany Effect
Clearance price £ 250 Save £649
Book A Free Appointment at Stafford
Introducing the Aurora Standard Chair - a stylish and versatile seating option that combines comfort and sophistication in one elegant package. Whether you're looking to add a touch of luxury to your living room, bedroom, or office, this chair is the perfect choice.
Elevate your home or office decor with the Aurora Standard Chair. Its understated elegance, superior craftsmanship, and exceptional comfort make it a must-have addition to any space. Indulge in the luxurious seating experience provided by this remarkable chair and enjoy moments of relaxation in style.
Make Aurora range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Darwin Flannel Grey
Clearance price £ 510 Save £439
£ 14.17 a month for 3 years | 0% APR
Living
Ethan Power Recliner Chair with Head Tilt & LumbarA Height | 105 cm | (41.3 in) |
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B Width | 102 cm | (40.2 in) |
C Depth | 98 cm | (38.6 in) |
D Seat Height | 48 cm | (18.9 in) |
E Seat Depth | 53 cm | (20.9 in) |
F Arm Height | 65 cm | (25.6 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H105cm, W102cm, D98cm
- Floor to seat height: 48cm
- Depth of seat: 53cm
- Width of seating area between arms: 51cm
- Height of arm rest: 65cm
- Weight of product: 59.5kg
Colour: Darwin Flannel Grey
Clearance price £ 510 Save £439
£ 14.17 a month for 3 years | 0% APR
Book A Free Appointment at Chelmsford
Introducing the Living Ethan Power Recliner Chair – a throne of opulence and innovation that transcends the boundaries of ordinary seating. This isn't just a chair; it's a gateway to a world where comfort and technology harmonise in a symphony of luxury.
Elevate your living space, redefine relaxation, and embrace the extraordinary with the Living Ethan Power Recliner Chair with Head Tilt & Lumbar Support. It's more than just a chair; it's an invitation to indulge in the art of comfort, where every moment is a reminder of the opulence you deserve.
Make the Ethan range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Mineral Collection Cream
Foot/Trim: Mahogany Effect/No Studs
Clearance price £ 275 Save £224.99
Living
Eliza Fabric Love ChairA Height | 92 cm | (36.2 in) |
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B Width | 131 cm | (51.6 in) |
C Depth | 94 cm | (37.0 in) |
D Seat Height | 50 cm | (19.7 in) |
E Seat Depth | 60 cm | (23.6 in) |
F Arm Height | 66 cm | (26.0 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H92cm, W131cm, D94cm
- Floor to seat height: 50cm
- Depth of seat: 60cm
- Width of seating area between arms: 81cm
- Height of arm rest: 66cm
- Weight of product: 42kg
Colour: Mineral Collection Cream
Foot/Trim: Mahogany Effect/No Studs
Clearance price £ 275 Save £224.99
Book A Free Appointment at Northampton Clearance Centre
Introducing the Eliza Fabric Love Chair – a haven of intimacy and elegance that redefines cosiness and style in your living space. This isn't just a chair; it's a declaration of comfort, an invitation to snuggle up and create cherished moments.
As you settle into its embrace with a loved one, you'll realise that this chair isn't just about comfort; it's about celebrating relationships and making memories that last a lifetime.
Make the Eliza range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Harriet Collection Green
Foot/Trim: Antique Walnut Effect
Clearance price £ 355 Save £424
£ 9.86 a month for 3 years | 0% APR
Botanicals
Bloom Velvet Love ChairA Height | 91 cm | (35.8 in) |
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B Width | 124 cm | (48.8 in) |
C Depth | 90 cm | (35.4 in) |
D Seat Height | 50 cm | (19.7 in) |
E Seat Depth | 58 cm | (22.8 in) |
F Arm Height | 66 cm | (26.0 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H91cm, W124cm, D90cm
- Floor to seat height: 50cm
- Depth of seat: 58cm
- Height of arm rest: 66cm
Colour: Harriet Collection Green
Foot/Trim: Antique Walnut Effect
Clearance price £ 355 Save £424
£ 9.86 a month for 3 years | 0% APR
Book A Free Appointment at Warrington
Introducing the Bloom Velvet Love Chair - where charm and cosiness combine to create the perfect spot for intimate moments. This exquisite chair is thoughtfully designed to be a standout piece, providing a sumptuous and inviting seating experience with a touch of modern elegance.
Embrace contemporary elegance and comfort with the Bloom Velvet Love Chair. Make a statement in your living space and enjoy the luxury of a chic yet cosy retreat. Upgrade your home decor with this charming addition, and experience the epitome of comfort and style every day.
Make the Bloom sofa collection even more affordable and take advantage of our 3 years interest free credit, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Maisy Kobe Malachite Collection/1
Foot/Trim: Brushed Silver
Clearance price £ 560 Save £699
£ 15.56 a month for 3 years | 0% APR
Ideal Home
Maisy Fabric Love Chair Power ReclinerA Height | 90 cm | (35.4 in) |
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B Width | 132 cm | (52.0 in) |
C Depth | 98 cm | (38.6 in) |
D Seat Height | 51 cm | (20.1 in) |
E Seat Depth | 55 cm | (21.7 in) |
F Arm Height | 72 cm | (28.3 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H90cm, W132cm, D98cm
- Floor to seat height: 51cm
- Depth of seat: 55cm
- Width of seating area between arms: 90cm
- Height of arm rest: 72cm
- Weight of product: 50kg
Colour: Maisy Kobe Malachite Collection/1
Foot/Trim: Brushed Silver
Clearance price £ 560 Save £699
£ 15.56 a month for 3 years | 0% APR
Book A Free Appointment at Durham
Introducing the Maisy Fabric Love Chair Power Recliner– a haven of intimacy and elegance that redefines cosiness and style in your living space. This isn't just a recliner; it's a declaration of comfort, an invitation to snuggle up and create cherished moments.
As you settle into its embrace with a loved one, you'll realise that this chair isn't just about comfort; it's about celebrating relationships and making memories that last a lifetime.
Make the Maisy Fabric range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Lexi Collection Sand
Foot/Trim: Oak Effect
Clearance price £ 235 Save £214.99
Living
Haze Fabric Standard ChairA Height | 91 cm | (35.8 in) |
---|---|---|
B Width | 88 cm | (34.6 in) |
C Depth | 86 cm | (33.9 in) |
D Seat Height | 52 cm | (20.5 in) |
E Seat Depth | 50 cm | (19.7 in) |
F Arm Height | 67 cm | (26.4 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H91cm, W88cm, D86cm
- Floor to seat height: 52cm
- Depth of seat: 50cm
- Width of seating area between arms: 55cm
- Height of arm rest: 67cm
- Weight of product: 28kg
Colour: Lexi Collection Sand
Foot/Trim: Oak Effect
Clearance price £ 235 Save £214.99
Book A Free Appointment at Kirkcaldy
Introducing the Living Haze Fabric Standard Chair – a perfect fusion of style, comfort, and timeless elegance. This exceptional standard chair, thoughtfully designed with a focus on both aesthetics and functionality, brings a touch of sophistication to your living space.
Designed for those who appreciate classic simplicity, the Haze Fabric Standard Chair serves as an ideal standalone piece or integrates seamlessly into a coordinated seating arrangement. Its versatile nature makes it a perfect addition to your living room, bedroom, or any space where a touch of refined comfort is desired.
The neutral tones of the Haze Fabric effortlessly blend into various colour schemes and decor styles, ensuring that this standard chair becomes a timeless and versatile addition to your home. Whether you're creating a cosy reading nook or adding a stylish accent to your room, the Living Haze Fabric Standard Chair is a statement of both taste and comfort.
Make the Haze sofa collection even more affordable and take advantage of our 3 years interest-free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Tara Green Earth
Clearance price £ 1,085 Save £864
£ 30.14 a month for 3 years | 0% APR
Living
Ethan 3 Seater Power Recliner Sofa with Console & Head TiltA Height | 105 cm | (41.3 in) |
---|---|---|
B Width | 234 cm | (92.1 in) |
C Depth | 98 cm | (38.6 in) |
D Seat Height | 48 cm | (18.9 in) |
E Seat Depth | 53 cm | (20.9 in) |
F Arm Height | 65 cm | (25.6 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H105cm, W234cm, D98cm
- Floor to seat height: 48cm
- Depth of seat: 53cm
- Width of seating area between arms: 183cm
- Height of arm rest: 65cm
- Weight of product: 136kg
Colour: Tara Green Earth
Clearance price £ 1,085 Save £864
£ 30.14 a month for 3 years | 0% APR
Book A Free Appointment at Chester
Experience the epitome of indulgence with the Living Ethan 3 Seater Power Recliner Sofa, where comfort and innovation intertwine in a symphony of relaxation. This isn't just a sofa; it's your personal retreat, your sanctuary from the world's hustle and bustle.
Indulge in the luxurious cushioning, and let your worries melt away as you experience the epitome of comfort that Living Ethan is renowned for. This sofa is more than just furniture; it's a haven, a place where you can truly be yourself.
Make the Ethan range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Tara Green Earth
Clearance price £ 445 Save £404
£ 12.36 a month for 3 years | 0% APR
Living
Ethan Power Recliner Chair with Head TiltA Height | 105 cm | (41.3 in) |
---|---|---|
B Width | 102 cm | (40.2 in) |
C Depth | 98 cm | (38.6 in) |
D Seat Height | 48 cm | (18.9 in) |
E Seat Depth | 53 cm | (20.9 in) |
F Arm Height | 65 cm | (25.6 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H105cm, W102cm, D98cm
- Floor to seat height: 48cm
- Depth of seat: 53cm
- Width of seating area between arms: 51cm
- Height of arm rest: 65cm
- Weight of product: 56kg
Colour: Tara Green Earth
Clearance price £ 445 Save £404
£ 12.36 a month for 3 years | 0% APR
Book A Free Appointment at Chester
Introducing the Living Ethan Power Recliner Chair – a throne of comfort and sophistication that beckons you to unwind and indulge in moments of sheer luxury. This isn't just a chair; it's an experience, a sanctuary where relaxation meets innovation in the most exquisite way.
Elevate your living space, redefine leisure, and immerse yourself in the extraordinary with the Living Ethan Power Recliner Chair with Head Tilt. It's more than a chair; it's a reminder that comfort is an art, and you deserve nothing but the best.
Make the Ethan range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Pluto Cream/3
Foot/Trim: Chrome Feet
Clearance price £ 650 Save £899
£ 18.06 a month for 3 years | 0% APR
LLB
Regency Fabric Snuggler ChairA Height | 92 cm | (36.2 in) |
---|---|---|
B Width | 152 cm | (59.8 in) |
C Depth | 103 cm | (40.6 in) |
D Seat Height | 47 cm | (18.5 in) |
E Seat Depth | 66 cm | (26.0 in) |
F Arm Height | 66 cm | (26.0 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H92cm, W152cm, D103cm
- Floor to seat height: 47cm
- Depth of seat: 66cm
- Width of seating area between arms: 10cm
- Height of arm rest: 66cm
- Weight of product: 65kg
Colour: Pluto Cream/3
Foot/Trim: Chrome Feet
Clearance price £ 650 Save £899
£ 18.06 a month for 3 years | 0% APR
Book A Free Appointment at Dunstable Clearance Centre
Introducing the LLB Regency Fabric Snuggler Chair - the epitome of elegance and coziness. This charming and versatile chair is meticulously crafted to bring timeless charm and comfort to your living space, creating the perfect spot for relaxation and intimate moments.
Elevate your living space with the LLB Regency Fabric Snuggler Chair and embrace the perfect blend of luxury and comfort. Immerse yourself in the beauty and coziness of this exceptional chair, making it the heart of your home's intimate gatherings and cherished memories. Transform your living room into an oasis of style and sophistication with this exquisite piece, where elegance and comfort unite harmoniously.
Make the LLB at Home Regency collection even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Crew Cream
Clearance price £ 355 Save £494.99
£ 9.86 a month for 3 years | 0% APR
Living
Brock Power Recliner ChairA Height | 99.1 cm | (39.0 in) |
---|---|---|
B Width | 110.6 cm | (43.5 in) |
C Depth | 95.3 cm | (37.5 in) |
D Seat Height | 48.3 cm | (19.0 in) |
E Seat Depth | 53.4 cm | (21.0 in) |
F Arm Height | 61 cm | (24.0 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H99.1cm, W110.6cm, D95.3cm
- Floor to seat height: 48.3cm
- Depth of seat: 53.4cm
- Width of seating area between arms: 59.7cm
- Height of arm rest: 61cm
- Weight of product: 60kg
Colour: Crew Cream
Clearance price £ 355 Save £494.99
£ 9.86 a month for 3 years | 0% APR
Book A Free Appointment at Chelmsford
The Brock Power Recliner Chair, is an epitome of comfort and style crafted exclusively for ScS. Elevate your relaxation experience with the perfect fusion of sophistication and functionality. Wrapped in high-quality leather, and available in a palette of four rich and timeless colours, the Brock recliner seamlessly blends luxury with durability. The sumptuous feel of the leather adds an extra layer of opulence, making it a statement piece for any living space.
But the Brock collection doesn't stop at recliners. Dive into the world of complete relaxation with the option of 3/2 seater sofas and chairs. Create a cohesive and inviting seating arrangement that caters to your lifestyle. Experience the joy of ergonomic support that promotes better posture, potentially alleviating back pain. Every inch of the Brock collection is meticulously crafted to provide you with the ultimate seating experience.
Make the Brock range even more affordable and take advantage of our 3 years interest-free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
Colour: Oslo Snow White
Clearance price £ 640 Save £759
£ 17.78 a month for 3 years | 0% APR
Living
Ethan Lift & Rise Chair with Cup HoldersA Height | 109 cm | (42.9 in) |
---|---|---|
B Width | 102 cm | (40.2 in) |
C Depth | 91 cm | (35.8 in) |
D Seat Height | 48 cm | (18.9 in) |
E Seat Depth | 53 cm | (20.9 in) |
F Arm Height | 65 cm | (25.6 in) |
*Width (b) is measured at the widest point of your furniture.
- Size: H109cm, W102cm, D91cm
- Floor to seat height: 48cm
- Depth of seat: 53cm
- Width of seating area between arms: 48cm
- Height of arm rest: 65cm
- Weight of product: 61kg
Colour: Oslo Snow White
Clearance price £ 640 Save £759
£ 17.78 a month for 3 years | 0% APR
Book A Free Appointment at Bridgend
Introducing the Living Ethan Lift & Rise Chair – a harmony of comfort and convenience that transforms the way you experience relaxation. This isn't just a chair; it's an invitation to elevate your lounging experience to an entirely new level.
Elevate your living space, redefine leisure, and embrace the extraordinary with the Living Ethan Lift & Rise Chair with Cup Holders. It's not just a chair; it's an experience, a testament to the fact that comfort and convenience can coexist in the most exquisite way.
Make the Ethan range even more affordable and take advantage of our 3 years interest free credit offer, 0% APR representative (minimum spend £320).
Limited stock - subject to availability | Any ex-display items are purchased as seen in-store and may have slight wear | Call centre opening times: Mon - Fri: 9am - 8pm, Sat: 9am - 6pm and Sun: 10am - 7pm
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© 2024 A. Share & Sons Limited. All rights reserved |
Registered office: 45 – 49 Villiers Street, Sunderland, SR1 1HA |
Company registration number: 323778
A Share & Sons Ltd, is authorised and regulated by the Financial Conduct Authority as a credit broker and is not the lender. Financial Conduct Association registration number 673559. It only offers products from Creation Consumer Finance Limited, Secure Trust Bank PLC trading as V12 Retail Finance.
© 2024 A. Share & Sons Limited. All rights reserved Registered office: 45 – 49 Villiers Street, Sunderland, SR1 1HA Company registration number: 323778
A Share & Sons Ltd, is authorised and regulated by the Financial Conduct Authority as a credit broker and is not the lender. Financial Conduct Association registration number 673559. It only offers products from Creation Consumer Finance Limited, Secure Trust Bank PLC trading as V12 Retail Finance