Sarnie

Women drivers; keeping bodyshops and wheel refurbishers in business.

I don't think you have a choice given your line of work I see you as a less pale version of this What, uber cool?

Defo M3, although I don't think they are directly comparible......

I agree to a certain extent. Sometimes there are just too many hoops to jump through. It's a buyers market at the moment and these FTB schemes are designed purely with people with who have next to no deposit in mind. The only people really benefiting are the builders, think about it, why would they give people a 15% interest free loan??? It smacks of desperation imo. You would still have 95% secured against the property, and at current market trends, could easily become negative equity within 3 or 4 months. Then you try and sell it and realise that the builder sold it to you above what other comparible properties are selling for and you'll find yourself marooned, so that 95% has now become 110% and it's going to cost you to get rid of it. The best bet is to try to save a regular deposit, this will give you the entire market to choose from and put you in a much stronger position when you do actually cometo buy.

The ones im looking at allow you to purchase for 5% down, and you own 100% of the house - but have to pay back the 15% loan they give you within a certain time. And even if they do change some interest on the loan, i should be better off paying that rather than the £600pcm in rent i pay now, for which im getting nothing in return. There are so many pitfalls of these schemes, they ringfence you in so that you buy one of their overpriced properties with no room for negotiation, use their mortgage advisor who sticks you on a nice high rate product that pays them a fat wedge, use their solicitors that charge the earth etc etc Just make sure you go into anything with your eyes fully wide open and not mesmerised by the showhome......

Don't forget that you will still need a 10-15% deposit for your half of a shared ownership property e.g on a £180k house 50% = £90k and therefore 10-15% of £90k is £9k-£13.5k..................................plus you will pay rent to the housing association on the other 50%that you don't own...

AVOID

Congrats matey

I think you undervalued these.......

I think it looks ace Ace, as in ace for my Mrs etc. Its obviously not even supposed to be classed as a serious performance car, by the engines they have put in it. It's just the successor to the 206cc and all its lady owners. It has it's niche, so lets not slate it because it doesn't have rwd or 300bhp etc..

We need to know the width of the wheels...... There is a guy with an UY GT4 with Jade 19's on here, why would you buy 18's?..............

You do, you just left your sense of humour elsewhere

+2 Members are few and far between nowadays.....

thats because this forum is like a bed of roses; its full of pr1cks Don't be such a cry baby

Is there any reasoning for the letters or numbers used?

RT = Fickle hahahahah

It doesn't need to be from a 'bank' as such, just a straight unsecured personal loan....... http://www.moneysupermarket.com/loans/

+1

What width are they? Why not buy some wheels that fit correctly without the need for spacers??

Porsche is miles nicer imo.......

My black 313 roadster doesn't appear to turn any heads! Either it needs a good detailing, I live in a posh part of the country where a Datsun just doesn't cut it or I'm paying too much attention to the road to notice... or a combination of the 3... Wrong colour for turning heads