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Please please please can anyone help in finding a cheaper way to fund my dream?

I am a hard working Doctor earning £49'000 PA for working every hour under the Sun ...and the Moon. I am financially sound and think after all my toils I deserve a to buy a nice car. I have my heart set on one costing £30'000.

After investing heavily in property I own 3 properties and of total value £820'000 and owe £640'000. All the properties cover themselves.

I have £5000 in my bank account and owe nothing on any other cards, loans etc except for £15'000 on my student loan.

My bank (Natwest) have offered me the cash instantly over 7 years at 8.3% APR.

Surely I can get this cheaper- I constantly see the ads for 6.7% etc, but on calling find that they won't lend the total amount or want me to take a 'secured' loan.

Please please please can anyone help in finding a cheaper way to fund my dream?
«1

Comments

  • Troll alert!

    £49k salary but owes £640k or 13 time salary and he/she can't buy a car.

    Not even a good attempt at trolling.
  • Ive got a dream but Denise van outens out of my league looks and financially.
  • LOL Big Craig John. As for Elizabeth Jones- whats a troll? I do believe fervently in taking risks ie- BTL market for business gains, and in the theory I work my nads off to save and eventually to SPEND! But more importantly did you have a constructive answer to the thread?
  • Stop dreaming and do some private work - new car in a month or less - or until you wake up from your fantasy.
  • ejones999 wrote: »
    Stop dreaming and do some private work - new car in a month or less - or until you wake up from your fantasy.
    LOL. I have a few colleagues in white coats who you may wish to see ;)

    Besides your posting here, what do you Liz?
  • PasturesNew
    PasturesNew Posts: 70,698 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You'd be better off saving your pennies to cover your 4rse when that BTL LTV ratio drops and you need to restore that balance so as to not fall foul of the lender criteria.
  • I have a best and simple for this.

    Just take a cash advance loans. Lots of sites on internet providing this facility even i can remember one site i.e. cashadvanceloansuk.co.uk

    Check out this one and search lots of others using search engines
  • System
    System Posts: 178,374 Community Admin
    10,000 Posts Photogenic Name Dropper
    I have a best and simple for this.

    Just take a cash advance loans. Lots of sites on internet providing this facility even i can remember one site i.e. cashadvanceloansuk.co.uk

    Check out this one and search lots of others using search engines

    Absolute Muppet.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • DKLS
    DKLS Posts: 13,461 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Do some private consultancy work or go agency, or at the very least tap those Pharma Reps for some decent freebies, My mate has just got a weeks salmon fishing in Scotland, from Pfizer, which he has sold on 3K
  • petermb_2
    petermb_2 Posts: 1,565 Forumite
    LOL ! You are a hard lot.
    I am a former Broker, former IFA and former compliance officer, for my sins.

    However, I have since seen the light.
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