Andyk
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Agreed...Come on Andy, it must be over eight years since your last Maser'
Tell Liz, a man needs a hobby or he has an affair... although you may get a slap too... but if you dont ask!
2007 Pat...
Agreed...Come on Andy, it must be over eight years since your last Maser'
Tell Liz, a man needs a hobby or he has an affair... although you may get a slap too... but if you dont ask!
Listening to the amount of you saying you don't finance your cars ....... Are you sh1tting money ... I need to change my job ....... Good on you if you can mind you.
Its still best if you pay in cash!
Dave
I don't agree, not everyone has £115k to spunk on a car with cash whereas they may have a £50k cash deposit and afford the monthlies very easily. It limits you to a £50k car market if you pay cash but with PCP plans you can move onto supercar territory. Finance is so cheap at the moment it would be stupid to not use it imo.
The fly in my ointment is I'm unlikely to get any decent amount of car finance for some reason. Took me 6 months to get the mortgage when we moved 3 years ago & 6 months to remortgage 2 years later. I can buy them cash but can't get finance. Then they create & sell NINJA loans....crazy.
Do you know a good oneHave you tried talking to a credit agency?
C
Do you know a good one
i don't agree, not everyone has £115k to spunk on a car with cash whereas they may have a £50k cash deposit and afford the monthlies very easily. It limits you to a £50k car market if you pay cash but with pcp plans you can move onto supercar territory. Finance is so cheap at the moment it would be stupid to not use it imo.
Is that your plan then Phil...sell the GTS...drop 50k deposit on a 458 then finance it over 5 years?
The fly in my ointment is I'm unlikely to get any decent amount of car finance for some reason. Took me 6 months to get the mortgage when we moved 3 years ago & 6 months to remortgage 2 years later. I can buy them cash but can't get finance. Then they create & sell NINJA loans....crazy.
Dave, on that Strad you would pay your deposit - as much or little (down to about 10%) as you like - then finance the balance over anything up to 5 years. For the lowest rates, you want a loan that pays off fully over that term, rather than one that leaves a balloon to pay at the end.
Let's say you currently have about £35k to spend. Pay that as the deposit. That will leave another £32k to finance. Which, on a repayment over 5 years, would work out at something like £600 or so per month. And if you want to pay in extra at any time during the term (to pay it off quicker or reduce the monthly figure) you can do so with no penalties.
I have a mate who arranges such things so can put you in touch if needs be. Only downside, you have to sign the agreement face to face, and he's based in Bournemouth.