[RagingKileak]

Hello all,

At least one of you will be pleased to see that I am now looking for a serious quote on Car Finance against a car which is purchased privately.

I've never done this before, in fact I don't finance my cars at all usually. I've purchased using HP + Baloon payment from Porsche and I liked the fact that the cars value roughly tracked alongside the repayable finance and that there was no front loaded interest, meaning I could change easily (as I am inclined to do.)

I wondered therefore if anyone knows of, has used, or even works for a finance house and can reccomend one. Naturally, the cost of owning the car over about 12-18 months is what I am most interested in, but good experiences and service are also important.

Thanks in advance,

Regards
Matt

[rogerxp]

Have you spoken to Gareth at Bespoke Auto. I've spoken to him a few times and he's very helpful, competitive and flexible. Call him on 01276 855171 / 07887950400. http://www.bespoke-auto.co.uk/

[BGM]

oracle finance is what i use/have used in the past.. http://www.oraclefinance.co.uk/

my current car is not financed by them, (mostly due to convenience of the selling dealer matching all their quotes ) but in the past they have been very good

were recommended to me from a work colleague who financed his M6 through them, they 'know' the products, so to say, and can often weasel out a pretty nice deals.. also they are very very friendly (or as friendly as sales people can be )

as with everything though, read the small print!

[creepy coupe]

Have you tried a BMW dealer? mine matched everything I threw at them.

[RagingKileak]

Originally Posted by creepy coupe

Have you tried a BMW dealer? mine matched everything I threw at them.

Hi mate,

I doubt I will buy from a BMW dealer mate, is that in respect of cars you bought privately?

I had considered ringing BMW Finance, but again assumed that they wouldn't touch a car not bought through the dealers.

Oracle - I know well as I looked at a car in their showroom (different company owned by the same bloke) and have asked them for a quote as I couldn't remember their name!

Also, I have used Gareth at Bespoke (to find me my 135i) but I may or may not contact him for a quote. To be honest although I got what I paid for and he was fine, I found the whole process a bit pointless.

Perhaps using his finance is my opportunity for him to save the money I paid lol!!!

Regards
Matt

[creepy coupe]

Originally Posted by RagingKileak

Hi mate,

I doubt I will buy from a BMW dealer mate, is that in respect of cars you bought privately?

I had considered ringing BMW Finance, but again assumed that they wouldn't touch a car not bought through the dealers.

Ok - see what you mean. No BMW won't touch you.

[KSG]

Is it easy to get insurance that covers against a write off or loss of job?

I know BMW offer similar cover.

[creepy coupe]

Originally Posted by KSG

Is it easy to get insurance that covers against a write off or loss of job?

I know BMW offer similar cover.

Yes. lots of outfits offering GAP type insurance, you can normally sort cover out up to 180 days after buying the car.

Re- losing your job, you need to look at Finance insurance.

[KSG]

Originally Posted by creepy coupe

Yes. lots of outfits offering GAP type insurance, you can normally sort cover out up to 180 days after buying the car.

Re- losing your job, you need to look at Finance insurance.

Thanks mate. Always considered finance, but I want to wait as long as possible and get financially stable in the mean time.

I think GAP insurance is a definite must buy add-on

[gIzzE]

Do you want my contact at Lombard?
He will beat any rate out there and allow you to do a balloon on it.
Just got the X1 for under £300 a month with only £1000 deposit, BMW were £96 a more each month with a balloon that was only £400 less at the end, so massive different on rate.

Blip me a PM and I will give you his contact number.

[RagingKileak]

Originally Posted by gIzzE

Do you want my contact at Lombard?
He will beat any rate out there and allow you to do a balloon on it.
Just got the X1 for under £300 a month with only £1000 deposit, BMW were £96 a more each month with a balloon that was only £400 less at the end, so massive different on rate.

Blip me a PM and I will give you his contact number.

Hi mate,

Yeah will do - PM on it's way!

PS - did you ever get round to doing a 'harder' workout mix by any chance?

Still enjoying some of the 5 or 6 other mixes of yours I downloaded!

Regards
Matt

[gIzzE]

I will upload something for you and send you the link. More techno sounding or more vocal uplifting but faster?

[BGM]

Originally Posted by gIzzE

Do you want my contact at Lombard?
He will beat any rate out there and allow you to do a balloon on it.
Just got the X1 for under £300 a month with only £1000 deposit, BMW were £96 a more each month with a balloon that was only £400 less at the end, so massive different on rate.

Blip me a PM and I will give you his contact number.

sounds interesting...

[TMP]

+1 on lombard beating BMW finance.

[RagingKileak]

Originally Posted by gIzzE

I will upload something for you and send you the link. More techno sounding or more vocal uplifting but faster?

Thanks mate. Will reply to your other pm shortly!

Hmmm, I like vocal/uplifting for driving and round the house, so that would be great. For the gym, Rumblefish on steroids would be good

Cheers
Matt

[rogerxp]

Funny you should mention the mixes, I've been meaning to send you a pm Guy, or start a dedicated thread, as I've just got round to listening to about 6 of your mixes. Really really impressed with them.

In fact I checked last night on your website and notice a few more so will be downloading them too.

Brilliant stuff .

[chrisbin]

Originally Posted by gIzzE

I will upload something for you and send you the link. More techno sounding or more vocal uplifting but faster?

*cough.........

RK - I have a couple of contacts, will pm them to you.

[pjs]

Matt

I've used lombard for the last 10 years. Current deal is at 5.9% apr.

If Gizzes' contact cant help, let me know.

PS, I've got a mate with a C55 AMG estate to sell. Mint. £13k.

[gIzzE]

Originally Posted by chrisbin

*cough.........

Sorry Chris, forgot to send you that NuDisco 2 mix. Will get on it.





Some of the later stuff is on here.....

http://soundcloud.com/guymiddleton

[themetz]

I also use Lombard.... No one has ever got close to their rates in my experience

[RagingKileak]

Apreciate all the help and options so far guys!

Thanks all,

Regards
Matt

[willhollin]

I thought you had used Gareth at Bespoke Automotive before Matt?

I know Booforty used MHC Finance, based in Birmingham.