Furniture on 0% finance after mortgage

onwards&upwards

rococomaiden wrote: »

That's good to hear.
Spreading the cost over a year with zero interest seems like a good deal to me?

I suppose it depends how much you’re spending, but if you can’t afford it upfront then if something unexpected happens later in the year you have payments round your neck.

There are lots of ways to get perfectly good furniture reasonably cheaply, and the places that push finance deals tend to be overpriced anyway.

If you’ve used up your last penny just don’t be tempted by the 0% and the extra time to stretch yourselves and spend more on the furniture than you would if you were paying cash.

martindow

Second hand furniture is almost valueless even though some of it is very good. I would try freecycle or freegle first. Otherwise some charities deal with furniture.



All worth a look before you saddle yourself with further debt.

Candyapple

rococomaiden wrote: »

That is an interesting point about the address... hopefully if I could place the order the day after completion, I could then change the address on my records afterwards (as long as the furniture doesn't have to get posted to the billing address).

Don't forget that if you are going to be applying for finance they will run a credit check on you and the first hurdle you will fall at is not being registered on the electoral roll at your new address.

Remember that although you can register online, the exception to this being if you register to vote during the Annual Canvass period. which takes place between July and December each year, during which time no electoral roll information is published, with the new version of the roll published by most local authorities on 1st December. As it usually takes Credit Reference Agencies about a month to publish this information, it may not be reflected on your on credit file until as late as February the following year.

Typically once Electoral Register information has been published, it can take up to three months for your listing to appear on your credit files, though in many cases this happens within one month.