20k Loan needed

System

No advice but the responses you've had amazes me!!!

People, he doesn't want to know your opinions on how much he's spent on his wedding!!! He wants to know about loan rates. Read the OP.

Apples2

NaturalBornHustler wrote: »

Back to the classroom for you son. Your English reading skills and maths skills are clearly not up to scratch. The wedding has been paid for (CASH) the original post suggests the loan is for a renovation.

I think it is you who is missing the point.

If you had "only" spent £20k on your wedding, you wouldn't be looking for any loan at all now, you could have paid for the renovation in cash, done and dusted, no interest to pay.

You are thinking of money in different pots completely unrelated but the reality is it all comes from the same one.

NaturalBornHustler

loopybecs wrote: »

No advice but the responses you've had amazes me!!!

People, he doesn't want to know your opinions on how much he's spent on his wedding!!! He wants to know about loan rates. Read the OP.

I'm glad there is a fellow sane person here !! I'm sitting here laughing with my better half at these responses !

NaturalBornHustler

Apples2 wrote: »

I think it is you who is missing the point.

If you had "only" spent £20k on your wedding, you wouldn't be looking for any loan at all now, you could have paid for the renovation in cash, done and dusted, no interest to pay.

You are thinking of money in different pots completely unrelated but the reality is it all comes from the same one.

You may think, but I KNOW your missing the point.
The original question was to ask which method of unsecured loan would suit my situation ( ie get loan in least amount of time with minimal interest but will allow me pay back early with no penalty.

Apples2. Change your name to SOURAPPLE. You seem to have an issue with how I spend my money (which is of no concern to you!)

safestored4

Troll alert. Nobody who claims to be as money savvy as this and with the level of disposable income claimed would come within a million miles of this site. But very well developed I have to say. Cheers.

NaturalBornHustler

safestored4 wrote: »

Troll alert. Nobody who claims to be as money savvy as this and with the level of disposable income claimed would come within a million miles of this site. But very well developed I have to say. Cheers.

There's a reason why I have much disposable income. I have been watching the penny's since I was young. I'm not a troll but at the same time I'm not gods gift !!!

ricky_v

I would be half tempted to suggest a 0% for 20-odd months super balance transfer for 4% fee as your incomes might warrant a £10k+ limit each.

However, £40k on one day is over half of the value of my house which has stood for 30 years, IMO cut back on the wedding and there's no need to get into debt.:money:

NaturalBornHustler

ricky_v wrote: »

I would be half tempted to suggest a 0% for 20-odd months super balance transfer for 4% fee as your incomes might warrant a £10k+ limit each.

However, £40k on one day is over half of the value of my house which has stood for 30 years, IMO cut back on the wedding and there's no need to get into debt.:money:

Ricky is that a credit card transfer to bank account (cash)? Never heard of this. Just did a quick google but it does not look clear what the benefits are.

As suggested above. I'm not too concerned about people's views on my wedding expenditure! Your lucky you don't live in London / Essex! I picked up a run down house for 400k and I put down the value of your house (and a new ford fiesta or equivalent) as a CASH deposit and it still needs a renovation !!!

tinkerbell28

safestored4 wrote: »

Troll alert. Nobody who claims to be as money savvy as this and with the level of disposable income claimed would come within a million miles of this site. But very well developed I have to say. Cheers.

Says who?

However I agree with your first sentence. I think someone has just got a little carried away with the bravado and is reeling people in.

All the bingo ticks are there, bragging, expensive wedding, BTL.

Now looking at it. 4k disposable income.

managed to save 10k ontop of the £95,000 deposit for the house and £75,000 on getting the BTL mortgage free last September oh and ontop of that, a 40k wedding between myself and wife to be.

Now that is impressive, even on 4k a month disposable. People still live, dine out, holidays, clothes and all that.

So op has saved £220,000. £220,000/4,000 = 55 years. 55 years of not spending a bean. So no way has he "saved" all of that.

Plus you'd think someone who was into a no expenses spared wedding wouldn't feel the need to go on a booze cruise to Calais for cheaper beer.

You're being wound up people .

NaturalBornHustler

tinkerbell28 wrote: »

Says who?

However I agree with your first sentence. I think someone has just got a little carried away with the bravado and is reeling people in.

All the bingo ticks are there, bragging, expensive wedding, BTL.

Now looking at it. 4k disposable income.

managed to save 10k ontop of the £95,000 deposit for the house and £75,000 on getting the BTL mortgage free last September oh and ontop of that, a 40k wedding between myself and wife to be.

Now that is impressive, even on 4k a month disposable. People still live, dine out, holidays, clothes and all that.

So op has saved £220,000. £220,000/4,000 = 55 years. 55 years of not spending a bean. So no way has he "saved" all of that.

Plus you'd think someone who was into a no expenses spared wedding wouldn't feel the need to go on a booze cruise to Calais for cheaper beer.

You're being wound up people .

I am 33 years old, still living with parents (thankfully) I earn 2500, partner earns 2k, the BTL which is in a E1 (Shoreditch) postcode gets 2100 PCM. You can do the maths all you like!! im not a troll, neither am I bragging, these are facts and if people ask why cant i wait for the loan etc, I have no choice but to explain my circumstances and yes, i do watch the pennys when i have set a goal to save each month! and YES it was cheaper wine which I purchased from Calais, not beer - thats included on the reception)

so what you now saying is that someone who has a substantial amount of income has to pay full price retail for their booze? surely that theory suggests everyone on MSE are "poor" which i can tell you is NOT the case! financially savvy YES